If the insurance company pays the remainder i.e. >60k why don't they offer you this deal: - No out of pocket cost - Free all expenses paid one week trip to En

If the insurance company pays the remainder i.e. >60k why don't they offer you this deal: - No out of pocket cost - Free all expenses paid one week trip to England with your surgery Would cost them the 3k pounds+2.5k$ of your share+maybe another 3k for a good trip..<10k total compared to 60k I take it they simply can't get that 3k pounds deal as an insurance company.