Does health insurence ever cover all of your expenses from your medical procedure? -

Depends on a lot of things - was it medically necessary? Are you subject to pre-existing conditions exclusions? Was it pre-certified by your doctor? Usually the answer is yes, but there are a lot of factors involved in order to answer your question. If you are a government worker and have their insurance, then yes it will pay for it all. Thanks to us taxpayers who don't have it so good. Or, if you are on Medicare (medicaid?) from the state, it will pay all. So, if you work for a living then odds are your insurance won't pay everything. Us employers have had to cut benefits because the cost is outrageous. Hardly ever. Most plans have some out of pocket expenses either in the form of a copay, deductible, co-insurance, or cost-sharing. It will always cost you something co-pays, deductibles or premiums Very rarely. The vast majority of people have copays and/or deductibles. The exceptions are medicaid, which has limited coverage but no copays and deductibles in most states, and some public school teachers (who have the best benefits packages I've ever seen). Of course. It all depends on your policy. Higher premiums generally indicate better overall coverage. Most employers and self-pay consumers opt for plans with co-pays and/or deductible and co-insurance in order to manage health care costs. If you had a policy with little to no member liability you'd likely complain about high premiums.