>Everyone has a max out of pocket. For "covered" expenses. Have to go out of network for a specialist? Not covered. The insurance company considers the life

>Everyone has a max out of pocket. For "covered" expenses. Have to go out of network for a specialist? Not covered. The insurance company considers the life-saving procedure you need "experimental"? Not covered. The insurance company rejects the optimal treatment for your injury, disease or malady as being not necessary? Not covered.