What are your worst experiences with HMOs/health insurances?

Since puro recommendations mga HMO/health insurance related posts, dun naman tayo sa bad experiences and loopholes nila para aware din mga balak kumuha.

Mine would be Etiqa's very unresponsive hotlines. Sa Maxicare EReady naman, sa 4 times this year na na-ER mama ko, ayaw tanggapin ng Maxicare-affiliated hospitals kasi daw sayang naman at "maliit" lang daw macocover. Na para bang gusto ata nilang patapusin yung 1-year coverage namin na di ginagamit card.