Usually you can push 0 or *0 and go directly to a human. Also if it’s the kind that lists all the options, each one corresponds with the number on the keypad that matches it’s place in the order. (The 3rd item listed is 3, the 4th is 4, and so on)

Having health insurance doesn’t equal having access to health care. I know a number of people who are technically insured but can’t afford a doctor’s visit.