Yup. And then they don't even cover anything. We have to spend over 30k out of pocket before they pay 100% and we pay $1300 for family of four as well. And the ratio of what we pay until they pay is absolutely unattainable. They cover $25 maybe of a $500 bill? I was sobbing paying medical bills the other day. Kept telling myself....they make you sick and then they make you pay for it. This level of angst that I feel from the system will literally break me.