It's difficult to imagine something more insidious, unreasonable, and unhelpful than American health insurance services. If you're an American, I don't need to remind you. For those of you who live anywhere else, it is so much worse than what you're assuming. In my experience, my first response to any illness or injury is to ignore it. That's an incredibly dystopian sentiment, but it's the unfortunate reality of this country. With all that said, don't expect any dealings with an insurance compa…