Sorry Hoffa SUX, but this is blatant misinformation. I am on the CS plan and have been for several years. Your Teamcare plan through CS will be better than mine and at no point have I EVER paid $50 for a prescription, and we have SEVERAL in this house on a monthly basis. My son has 4 different meds that he takes regularly that all together, for a 3 month supply doesn't cost me $50 for refills. The most expensive RX I have is my birth control, which, for 3 months, I believe, costs me around $27. A little more than $5, sure, but certainly not $50. There was one med that I didn't fill for migraines a few years back, that because there was no generic for and was still very new, would have cost more, so I didn't fill it and got the doctor to prescribe something else. Very few people will run into that type of scenario.
As for the deductible, that $400 is for an entire family. That means that if a family of say 5, like mine, between the 5 of them, contribute $400 to the deductible, it's met for ALL of them. On the other hand, if it was just the $200/person, it would cost us $1000 to meet the deductible for everyone individually. Again, not as big a deal as you are making it out to be.
My daughter had her appendix removed a few years ago. Hospital bill was somewhere around $18k. We paid ZERO. My husband had surgery twice last year, each time with a hospital bill around $17k. He paid $100 for each and $20 each time to the surgeon. I had surgery 2 weeks ago. Not sure of the bill yet, but I paid $100 to the hospital and $20 to the surgeon. I can only assume it will be similar to my husband's. Maybe a tiny bit more, since I had a reaction to the morphine which required a bit more care. So again, your claim of paying 20% isn't true. We don't pay a penny for labs or radiology. We don't pay a penny for dental, unless it's something off the wall that insurances in general don't cover. When my son had a root canal we paid $14 for the stupid little rubber dam that goes around the tooth. That was it, out of a $1200ish bill.
The rest I can't speak to, as I am not sure of those things.