To clarify my point, your insurer spells this out to you, though you as a patient may not understand it to be the case. There is no surprise, its the expected b

To clarify my point, your insurer spells this out to you, though you as a patient may not understand it to be the case. There is no surprise, its the expected behavior reading the literal minutiae of the giant packet your health insurer offers you. It's just that many people do not understand they have multiple additive deductibles for certain types of care.