When I was a teen, I recall having the Cadillac of insurance plans. We could go to any doctor, hospital, or pharmacy and wave our insurance card around like it was an American Express black card. Everything was covered. In fact, I remember going to the pharmacy one day to pick up a prescription and being told that I owed a co-pay of fifty cents.
"What?" I exclaimed. "There must be an error with your system; I don't have a copay," I told the pharmacist. My mother later confirmed that our insurance company did, in fact, raise our zero dollar copay to fifty cents.