Fucking health insurance

I've changed health insurance three times in less than a year. There's no point in going into the details why since it will just give me an ulcer to relive it, but presently I have MDNY, and I was very happy with them, until a few weeks ago when I started getting letters from all the doctors I've seen in the past few months telling me that MDNY has inexplicably been refusing to reimburse them for anything. It's unbelievable. My allergy medicine is apparently "uncoverable" because I'm too old. I'm not even sure what the fuck that means -- too old for allergy medicine? Do they think I'm trying to order something off the fucking Happy Meal menu? At this point, I don't even know why I'm paying for health insurance. When I call them tomorrow, I'll ask them to explain it to me.