> i would assume the best insurance possible That's usually not a good assumption to make, not even among the FANG. There is extreme variability even with the

> i would assume the best insurance possible That's usually not a good assumption to make, not even among the FANG. There is extreme variability even with the same insurance company, depending on the negotiation between the company and the provider. And very few companies actually have any incentive to even provide the best 'possible' coverage.