It's annoying when any insurance policy turns out not to cover you when you need it, but to be fair I find the terms on Laya's plans are pretty clear. I'm with them 20 years and review both our policies every year. I must have changed my plan (and his) 4 or 5 times because policies and their terms change, as do our projected health needs.
i do sympathise but you really can't expect Laya, or any insurance company, to contact you to suggest plan changes. I've found them pretty helpful in that regard but that's because I rang and specifically asked them about suitable alternatives. It's easy to do the research yourself on their website, but for not much more than you're paying you could be on a plan that has virtually no outpatient excess. I would suggest that you take this as a lesson learned and decide to do your homework in future. Have a look at the Inspire plans and the Simply Connect plans.