If an out-of-pocket maximum is $3,500, and you get a hospital bill for $10,000, do you only have to pay the $3,500, or the full $10k?
After you meet the deductible and out-of-pocket max, is care essentially “free” the rest of the year since you don’t have to pay out of pocket?
In: Other
For example, my wife had a malignant mole on her calf that the oncologist removed last year in February. Because her surgery exceeded our out of pocket maximum for the year, we both schedule a knee surgery later in the year we both had been neglecting as they were now effectively “free”.
Word of caution if you follow the same pattern: make sure you get pre-authorization from the insurance company or you might still be paying the latter costs
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