Having insurance in the US doesn't mean anything, as the insurance itself does not provide any health care.

In fact they actively try to provide as little care as possible. It's a negative signal, not a positive one as you seem to think.

> The services are top notch

Healthcare is a plethora of services, ranging from something as simple as a blood draw to open-heart surgery. I can tell you from experience that many diagnostic services are definitely NOT top notch, and the service of getting billed after is an absolute nightmare.

Examine your priors.