No it doesn’t. If you go in with a cold, they check your temperature and give you some Tylenol you get charged $600 out of your pocket, until you meet the deduc

No it doesn’t. If you go in with a cold, they check your temperature and give you some Tylenol you get charged $600 out of your pocket, until you meet the deductible. It’s the preventative care stuff that is /sometimes/ not counting against the deductible. Also literally any surgery is a financially ruinous healthcare event insured or not until you’re rich relative to the average person - I have the receipts of the tens of thousands of dollars of medical bills I’ve had to pay while insured to prove it.