What a difference between those menuvelach and the Chabad BT doctor in CH who gave me a free flu shot based on my word that I carried a particular insurance (I did not have my card yet) – he was so overworked he could not even accept me as a patient and I don’t even remember how I ended up giving his receptionist proof of insurance so he could get reimbursed (I think she called the company to verify my coverage).
I have heard that Terem is a slight glimmer of light in the dark tunnel of EY medical care.
The real glimmers of light in medinas Sdoim, where curable patients die because proven lifesaving medications are not included in “the basket,” are Ezra laMarpeh (Rav Firer), Ezer meTzion etc – but chas vesholom anyone should need their assistance in obtaining care outside of EY. My friend and neighbor in CH used to collect money to obtain lifesaving medications in the US and send them to critical care patients whose plights were made known to him by his relatives in EY.