Yes, it's infuriating. Here in Germany, I have to pay ~EUR 1.1k per month, and it covers immediately life-threatening diseases completely and well, but a missed diagnosis can lead to a lot of suffering. A completely different life. Had to pay out-of-pocket eventually. Now that the diagnosis is there, there is a theoretical path to have meds covered, but it's not worth the hassle to make it a priority.
I noticed that the way to go is always meds plus methods. Constantly checking out new methods and improving on making better use of them.