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Oh yeah, and sometimes they decide that you actually don’t need healthcare at all, or that you got the wrong kind of healthcare, and so they don’t give you any money. Oh yeah, and just to make things more confusing, sometimes you can have different deductibles for different kinds of healthcare expenses. That is, at least, until we finally hit $5000 (the out-of-pocket maximum)! And likewise, if your plan says you have, say, a 20% coinsurance, then you just pay for 20% of it, and the insurance company pays the other 80%. If so, then jackpot because it looks like you have identified some letters next to each other. That’s right, your insurance doesn’t actually pay for any of your care until you spend a bunch of money on your own first! So the out-of-pocket maximum is a limit to how much you have to pay for your own care (not including the cost of premiums, which you always have to pay, no matter what)
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