Is private health insurance worth it?

So sorry to hear of the problems you are having, and it always comes when we are at a low ebb.
I am no expert, so please make further enquiries of your own, however, I have worked in the health-related insurance world in the past so will offer what I can.

You mentioned your "Health Plan" and I take it this is just a figure of speech because, in the UK a Health Plan is very different to Private Medical Insurance and would only cover your first diagnostic consultation, to get you to see a specialist quickly, along with a very limited range of diagnostic tests such as blood tests and certain biopsies. The cover ends there, as it would be your choice to either go forward as a self funded private patient, or to go in the NHS queue. I don´t know if the same kind of thing is sold in Spain.
If it is Private Medical Insurance it will come with a very lengthy set of terms and conditions because however expensive the premiums, their risk is much more. There are often many choices as to what you want covered and are often modular, where you may opt for cancer cover, but exclude mental health, for example. Terms and conditions are strictly adhered to as they form part of the contract. It is not usual for Insurers to agree to pay anything towards other types of tests or treatment which are not covered because that could be argued that they have accepted liability for any other related tests or treatments which may follow.

 Insurers also tend to have agreements with certain hospitals who will guarantee certain rates to them. You would be amazed how much medical fees can inflate once the magic word Insurance is mentioned. The terms and conditions for which hospitals can be used will be detailed in the policy documents and will usually mention a certain travelling distance. It is not unusual for patients to travel many miles in the UK for both private and NHS specialist treatments.

If they are paying for everything as per the terms and conditions, I don´t think you have any options. Slating the company, if they are within the rules, could be taken very seriously and they may have been obliged to mention this to you.

Try contacting C.A.B es. I really understand your frustration and it is a very emotional and worrying time for you, but Insurance cannot be run on an emotional basis and therefore will sometimes appear cold and unaccommodating, it is the nature of the beast.

I think there are forum members who are in the Insurance industry who can hopefully guide you on up to date, Spanish policies but Citizens Advice will help.

Sorry to hear of your problem it's not the first time I've heard this ,I don't know what age you are but we ha've returned to uk because getting old in spain can be a nightmare .I only been back a month when given a cat scan here that waited for a long time in spain so don't beleave everything you read about the NHS.

Had friends that had to travel by hospital bus from Quesada to benedorm for cancer treatment with other patents a day affair .

Doesn't the spanish equivalent of NHS cover this ? Only asking

Thanks for your reply ,,we are pensioners I forgot that it's only children and us benefit from the Spanish version of NHS