Health insurance covers the cost of medical and surgical expenses. Depending on the health insurance coverage you have, you may have to pay the costs out-of-pocket and be reimbursed, or you will make payments directly to the provider.
The "one-size-fits-all" mentality does NOT work here. Just because your neighbor has a plan they love, it doesn't mean it is the right plan for YOU. Everyone has differences and unique needs. It's important to review plans to ensure you pick the right one to fit yours.