Health insurance "levels" in the US is a scam in general- they say, oh, well here is the cheap plan, medium plan, super plan on this plan you pay $ for this, like the choice is meaningful.
But the hospitals and doctors, especially in an emergency charge random large numbers, the insurance company reimburse random numbers, you even only find out if a part of the system accept insurance after it is too late.
(how do I know? daughter broke her arm a while back)