re: Ignorant question about health insurance deductibles and out of pocket maximums

The way most High deductible plans work are that if you are in network your deductible is $500, once you meet that you are covered 100%. However for example say you are injured out of state and end up at a hospital that is out of network normally in this case you have a different deductible, or are responsible for 20% (really depends upon your plan). Then once you have hit the $3000 out of network you no longer are on the hook for anything. So if you are in network max out of pocket is $500, if out of network max out of pocket is $3000. Hope that makes sense.