It's not. I had a low deductible and a low yearly maximum out of pocket. They didnt deny me for a pre existing condition, my knees, and I had 2 knee surgeries w

It's not. I had a low deductible and a low yearly maximum out of pocket. They didnt deny me for a pre existing condition, my knees, and I had 2 knee surgeries while on the insurance and my low deductible and co-insurance meant I spent less the $3000 for both surgeries combined.