Not necessarily. There’s deductibles that need to be met, Copays, and co-insurance (what you pay after the deductible), rather you’re in network or out of network, etc.

For example, I had pneumonia some time ago and was in the hospital for about 10 days. The hospital billed by insurance something silly like $100,000. I ended up having to pay something like $4,000 out of pocket. I consider myself one of the lucky ones. It’s really important to review an employer’s health plans before accepting a job offer.

Not at all.

You will still have to pay your yearly deductible which is normally in the thousands of dollars. Then you also get to pay co-pays for every service regardless of where your deductible stands.

Don't forget that the insurance company gets to decide what is necessary, not your doctor.