the part about preexisting conditions is completely wrong since the ACA.

the person who replied to you is wrong about out-of-network services though. they seem to be describing a ppo plan. my high deductible plan is quite clear on the fact that out-of-network is not covered at all. doesn't even count towards the out-of-pocket max.

My plan will not even apply my out of pocket payments to the deductible. There are wide swaths of the U.S. where I'm 100% pay out of pocket for emergencies, heck, even inside my own state. Most people are completely unaware of how poorly they are covered when they travel on vacation, within their own country.