Yes it all depends on deductible and the rest... And who can afford a 10,000 deductible? At that point I have to ask why am I paying $289 a month. What does that get me? Proctection if I have cancer? Probably not even covered ailment! I might as well buy 289 lottery tickets! Is it coverage if I hit the hospital for a month? A month of no income and then a 10,000 payment??? I might as well roll the dice and just hope I don't get ill. I'm not saying anything personal about Dr. Mow or such it's such a good example of how our medical industry is sticking it to us at their pleasure! The people in my area making over a million are mostly doctors. NO bs, I know doctors reporting over $milllion in a year due to their many doctor "connections". Meanwhile hospitals running $$$ advertisements on TV attracting clients and million dollar pharmacy campaigns on drugs I can't believe they put on TV... "possible side effects diarrea, dry mouth, and impotence...."""" I'll pass on that one doc. Ironic the last post was by "Dr" Mow.