I agree. There is a huge variety of insurance, from plans that cost little in premiums and pay out virtually nothing with doctor pools that include low-rent quacks (like CIGNA in FL), to plans that cost an arm and a leg but provide good doctors and excellent care (like Kaiser Permanente in CA).

Hospitals vary widely in competence, too. The Yale outfit looks good (university teaching hospital) but the size and layers of bureaucracy likely did in this unfortunate chap. He sat unattended for 5 hours and died of cardiac arrest probably totally unrelated to his fentanyl dose, which is unusual even for meat grinders like Grady in Atlanta or Cook County in Chicago.