True and false. There is a basic package that's good enough to get you trough life. This is one extra reason why being let go is less likely to cause stress for you and damage for your boss.

But bigger organisations give extra insurance. This covers e.g. avprivate or 2 person hospital room instead of multi person rooms. Or private care without waitung lists

Also, as healthcare is getting more expensive, the core package gets smaller. E.g. dental care was a victim in my country, preventative care is still covered but restorative probably not.