https://www.carefirst.com/congress/...ressional-health-insurance-plans-brochure.pdf This seems to be one of the congressional plan options.... FYI they get, I think, 72% paid for... They pay 28%.... @yobub - I'm not sure what the "Summary of Benefits and Coverages" is that you're referring to, but here is the 170 page Service Benefit Plan for BCBS that would make anyone dizzy...Esp. if you're trying to thumb through it in a time of crisis https://media.fepblue.org/-/media/PDFs/Brochures/2020_SO_BO_SBP_Brochure.pdf Of course an insurance company has to mitigate and expressly define coverage and it's a cat and mouse game. It's simply another reason the system fails....My belief in this type of system is that cost containment trumps the health of the patient. My belief is a system where you pay into a wellness non-profit co-op, you could reduce the service benefits plan by 70%....You simply pay a percentage of cost until a cap....Further, I would add eye and dental care into the program. I have no idea how we created a system where they are separated out....Simply make a differentiation between elective and non-elective procedures.