I am sorry to hear about your mother and you and she are justified in being angry. But this is just yet another example of insurers ability to deny care with some made-up excuse. And ACA is a compromise made to enable coverage for those who could not get any due to pre-existing conditions. So, I think the blame goes deeper than ACA (aka Obamacare).
I tried that as well with Amazon and Home Depot and I got the plastic bait stage even though I ordered the metal one. As it turns out, Victor no longer makes the ones with the metal stage, which were the very best snap traps. The plastic ones don’t work, we don’t poison because it can kill predators as well or they die in the wall and stink up the house, and the glue traps are cruel (oh, the full plastic jaw types are cruel as well, it grabs them by the leg and you have the unpleasant job of killing the animal). A friend recommended the electronic traps – works like a charm and so, so very easy to dump out the body without having to touch it, reload, and ready to go again.
No, kid, he is too dumb.