No the treatment would not be free, most plans will also only cover a certain percentage of the overall procedure so on top of your annual deductible which mine for example is 7,500, there's also certain procedures that are not covered at all and the rest of the procedures are at a 70-85% coverage, which is still better than them not covering anything I guess but still pretty dog shit for an insurance that you're paying over $100 a month that's tied to your employer