Most insurance companies never cover 100 % (well unless your in a Govermental position.) There is always going to be copays of some sort either by % or set fee per day if IP or regular hospital.

Patient balance widely based on there health insurance some companies pay more some much less.

Again there is no set insurance costs per month. Some people pay 100.00 per month some others pay 200.00

If you can't make your monthly insurance payments the coverage will be cancelled and you will have no coverage and be responsible for any and all medical services you have need of after cancel date.

Medicare is used when a person retires or becomes disabled ( if disability is awarded you have Medicaid the first 2 years, then it flips to Medicare.

Medicare pays 80% of approved charges, patients are responsible for the 20% balance for services, Blood work is paid at 100%.

Medicaid is by the state. Typically it covers all medical needs but many providers do not accept medicaid because the payments are so low. Also its often hard for a doctor to find medications that work because medicaid will not allow for the more costly ones.

Insurance companies are out to make money, As for Obama care making health care availabile for everyone? Sure if a person can afford the monthly premium and actually understands that they have a deductible they have to pay out before the insurance even starts to pay. Insurance is confusing for most everyone , Only reason I happen to know more than the average Joe is that I use to do medical billing.

My opinion Insurance and Big Pharma are just a way to manage population control .. But that is just my opinion.