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

Are you SURE that everything is either co-pay or 100 percent pay after dedctible?

If so... the OOP max may refer to the total of your deductible plus co-pays that are not subject to the deductible. Traditionally, co-pays were not counted as part of the OOP max. But I read a policy a few weeks ago where co-pays WERE included when calculating the OOP max.

If that's the case, then here is how I would understand it:

Co-pays paid each time for things that have co-pays.

Things that don't have a co-pay, you pay the first $500 cumulative for all of these types of things, then all of these types of things are paid by insurer at 100 percent.

Once you have $2,500 in co-pays, then you add that to your $500 paid deductible, and you hit your OOP max. Now, you don't pay co-pays either for rest of year.