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@zeezaa1 TRue but you can negotiate 60 k to 10% ie 6k and negotiation 10% of 600k is 60k. I know which one of these I want to negotiate.

@zeezaa1 60k is nothing if it comes to catastrophic sudden hospitalization. Yes all the plans are terrible. But 60k max out of pocket is just objectively better than no coverage.

@heyyoo Legally vs practically. Yes Legally they cannot do this. Practically they can make it a fucking nightmare to resolve.

@glorydaz Forget about no insurance for out of network. Seriously, you book a procedure and it happens that anesthesiologist or burse or someone is out of network and you are cucked. Let alone if you have an actual emergency and not a planned procedure. You really only have plan 1 and 2 to compare.