Medical services are incredibly opaque here, as Dope alluded to.

When I got hired by the Gov, it was easy to determine the best health plan, they even distributed a spreadsheet comparing the different plans with references to attached explanations after 10 years it got harder, no simple spread sheet was offered, you had to dig, then it became impossible to compare them. You might spend hours on the phone trying to ascertain answers and the answers weren't clarifying. The health plans didn't like us shopping for the best plan it seems, and obscured it.

I once tried to determine if any of the plans would cover my existing meds, and could not determine that, and compare plans.

Before I retired I visited a health fair to determine if any plans would cover me overseas. I was surprised that most plans didn't seem to, or the reps didn't know, and couldn't explain. I kept my plan because if you left after retirement, you couldn't get back on. I still have that plan.