My mom has the Inbound Immigrant plan. Her first and only claim was denied because of the pre-existing condition provision. The physician's billing office told us that if she were un-insured, she could get a self-pay discount of 40%. However, because she has insurance, even if the insurance does not cover anything, she is not eligible for the self-pay discount and is required to pay the full bill.
The logic of the medical system is not clear, but we have to deal with it. Hopefully my mom's experience is useful for your decisions.
May your families be well!
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