I'm sorry to hear that you had a negative experience with your previous temporary health insurance for visitors. It's important to choose a reputable insurer and understand the terms of your coverage before you purchase it. Here are some recommendations for health insurance for travelers visiting the USA:

1. Seven Corners: Seven Corners offers a range of travel insurance plans that include medical coverage for visitors to the USA. Their Liaison Travel Plus plan, for example, offers up to $1 million in coverage for medical expenses, emergency medical evacuation, and repatriation of remains. They have a 24/7 customer service hotline to assist with claims and offer direct billing with many healthcare providers.
   
2. IMG Global: IMG Global offers a variety of travel medical insurance plans for visitors to the USA. Their Patriot America plan, for example, provides up to $1 million in coverage for medical expenses, emergency medical evacuation, and repatriation of remains. They have a large network of healthcare providers and offer direct billing to many of them.
   
3. GeoBlue: GeoBlue is a popular choice for travelers who require international health insurance coverage. They offer a range of travel medical plans that provide coverage for visitors to the USA. Their Voyager Choice plan, for example, offers up to $1 million in coverage for medical expenses, emergency medical evacuation, and repatriation of remains. They also have a 24/7 customer service hotline and offer direct billing with many healthcare providers.
   

Before you purchase any insurance plan, it's important to read the policy carefully and understand the terms and conditions of the coverage. You should also check whether the insurance company has a network of healthcare providers in the area where you will be traveling and whether they offer direct billing with those providers. Finally, make sure to keep all of your insurance documents with you while you travel so that you can access them quickly in case of an emergency.