The amount 'shelled out' is hardly 1/10 to 1/1000 of what will be 'spent' during the time of coverage once any real procedure(s) are required.

Some companies try to limit procedures in an effort to keep costs from spiraling out of sight. It is futile, like sweeping the ocean back with a broom, but you can't blame them for trying.

The other, even less-attractive option is to become self-insured and pay your own way.