Not to discount or diminish your experience but I’ve had the polar opposite with Aetna/CVS.
Due to unfortunate circumstances my family has had nearly 300 claims via Aetna over the past 24 months with only one hitch that required any legwork on my side. We pick up all our ad hoc prescriptions at the local Walgreens and all of our maintenance meds shipped via an independent provider. Only one script has ever been mandated to go through Caremark and it’s was a specialty drug that ran about $1000 US per daily dose.
Chicken and egg. The tuitions have been able to reach the insane heights due to the ready availability of these loans.
It was a lot harder to get loans thirty years ago. Almost on par with the criteria for any other personal loan. A four year CompSci degree that could be had for under $25K, in total, opened the door to a $45K to $60K entry level position for a typical graduate.
Availability of loans broke wide open, under the guise of providing opportunity, and now the same degree costs 5-10x with yet the typical entry level salary remains more or less the same, give or take a few inflation points.