When I was in the Kaiser HMO, they had a $1400 out of pocket cost limit. When your cost limit was reached, customer service would give you an exemption for the balance of the year.
Obamacare is worse - you pay until the out of pocket cost limit is reached. So much for “affordable” health care coverage. I don’t face that problem.
But its a looming one for millions of Americans.
Not sure what you’re saying.
This is what happens with any plan:
1. You pay the full cost of any covered medical charge until the personal or family deductible is reached, except for deductible-exempt charges that might have coinsurance or a copay. For example, some of the plans with a $25 flat copay for an office visit right from the beginning, or free procedures.
2. Once the deductible is reached, you pay the coinsurance part — 30% etc., until the Max OOP is reached.