I have had private insurance for decades, i've had friends go bankrupt for all the not covered parts of routine medical procedures- surgeries are the worst! I'd much rather meet the 12K family deductible and then be covered 100% than my old plan, which had a high deductible as well, that ONLY covered the gas passer at 20% of the surgeon's rate and his assist at 40%. (that is how my buddy went bankrupt- those two guys and the over the coverage amount for the hospital stay itself ruined him.
The best I can say about the insurance CONs sing the praises of is it gives the doctor's and hospital at least some of their money where an uninsured person is a true crap shoot on collection.
Nice try but you deny what you yourself posted and obviously have no clue what the old insurances covered- and far more to the point- what they didn't.