Insurance companies suck!!!!!

I'm sure that many of you will be able to relate to this topic.  I am so mad at our insurance company.  Why do we pay so much money each year only to find out it doesn't cover something?  My daughter was diagnosed as a child with mild Asperger's last week.  For those that don't know, it is on the autism spectrum.  I want to get her a second opinion and find a doctor who can help me get her the services that she needs.  I pulled up the child psychologists that are covered by our insurance and there hardly any of them but I did find one so we went last week.  
She didn't interact with my daughter and didn't look at any of the papers that I brought with me but told me that my daughter was just not "bright" and that it was all in my head.  I woud have been fine with this if she had at least spoken to my daughter and looked at her past evaluations.  I left the office royally pissed off and called some autism specialist to see how much thye cost and the appointments range from $1200 all the way up until $5500, and that is with insurance picking up part of it.  Well, I set up an appointment only to get a call today that they don't take our insurance and that it will cost $3000.
How can they not cover something like this?  I am so mad at insurance companies.  These are children that need help and if they don't get help when they are young then they aregoing to cost the insurance companies even more.  This just sucks!!!!

PS...I did end up setting an appointment with the Asperger Center in NY City and am going to pay out of pocket but I really sholdn't have to.