This is one of the main pain points of health insurance policies in the US that makes it nearly impossible to see if you're getting true value. A monthly premiu

This is one of the main pain points of health insurance policies in the US that makes it nearly impossible to see if you're getting true value. A monthly premium, a copay per visit, a deductible, co-insurance/cost share and out of pocket maximums. Then factor in potential fees from an employer. All of that aside, it's impossible to know how much you're actually going to visit the doctor aside from chronic ailments.