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I mean those do exist, see Kaiser Permanente. Even they have a much lower denial rate than United.
I know! Kaiser is my favorite, but they have a very limited coverage area and a few years ago I moved outside of it.
Isn't that a closed ecosystem though?
It is, though rarely they'll reimburse you for out of network stuff as well. I got a COVID vaccine from rite aid and because Kaiser wasn't fully stocking it at the time they reimbursed me.
They also only provide coverage in certain regions, so if you're completely out of their regions and network they reimburse there too. They do this through a "travel card".