Insurance....Why Do I Bother?

Every pay period I pay a certain amount towards my insurance. It's the smart responsible thing to do right? I always figured I was covered for anything I needed, as long as the Dr. requested it.

Now I need to have a something done, and my insurance won't cover it. We're looking at almost a thousand dollars. Yes they'll take payments, but that's not the point! Why am I paying for insurance every month when it doesn't help me when I need it?

And don't worry, it's not a boob job! :)