My last few years at work I watched that ridiculous amount go higher and higher as well as the deductibles while the actual benefits went lower and lower. I ended up with something like you probably have. where I would still have to pay about 35% of that broken arm or million dollar death.
Yeah, from working in the medical field, and having close contact with hospitals, ERs, billing centers. A good approximation is this:
Sit in a bed in an ER? +40,000
Get a test? +10,000
Take a pill? +5,000
Talk to a GP (ER doctor)? +20,000
Talk a specialist? +50,000
Get a procedure? +20,000-100,000 depending on the procedure
For a broken arm:
1 er visit at least (40k)
2-4 tests (20-40k)
2-4 pain pills (10-20k)
2-3 doctor conversations (40-90k)
1-3 procedures depending on the severity (20-200k)
Minimum 150k before insurance.