Great post!
Let me add one detail I want teh wholesale rate teh insurance companies get for my deductible.
Example when my daughter was born the total bill may have been $10,000 (not sure a long time ago...) and my deductible was $2,000 but my $2,000 was already discounted from the public rate to the rate Kaiser pays. This is good - I could not find taht type of insurance in Thailand.