Sounds pretty terrible though. Paying $200 monthly to pay $20 for a simple visit is insane to me. I’m an expat living in Europe (so I don’t have the full privileges of locals), yet I pay about $200 per year for private medical insurance which makes doctor visits pretty much free for me. There is also an extended health insurance from the company (costs me about $20 monthly), which covers drugs, dental health an profilactical visits for free