Oh, and to get the most out of the policy, you have to be diligent about following all of the famously confusing paperwork and making sure that the insurer has credited all visits towards the deductible. If you want prescription costs to count towards the deductible, you have to keep all the pharmacy receipts, make copies, then submit each receipt as a separate claim. Mind you, you won't get any money back for doing that bookkeeping; it just counts towards the deductible, so if you do get catastrophically sick, it will cost you a bit less out of pocket.
