Do I have to pay to watch ‘White Lotus’ even with an Apple TV subscription?

The subscription only covers Apple-original content; click here for the list of it. Items which show an individual price aren't part of either paid or trial memberships and cost the same regardless of status.

If there's nothing listed which you're interested in, click here and follow the instructions; when done, use this link to ask Apple Support for a refund. They won't be obligated to give one in most countries.

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Apple TV+ is not like Netflix, HBO, to any of the other streaming services. Your subscription to Apple TV+ is limited to only Apple produced content. Everything else you have to pay for. It’s just like Amazon Prime Video in that your subscription entitles you to view Prime content but must pay for everything else.

Apple TV+ has been like this since day 1. That you failed to understand the terms of your subscription and assumed everything was free is on you.