Reply #49: There is nothing under the plan that I found that... [View All]

[Solon]

Says anything about Maximum Out of Pocket.

There are two listings, one says Catastrophic limit per person, which I looked up, and on the website it says this:

Catastropic Limit - Self

After your copayments total this amount for one person in any calendar year, you do not have to pay any more for covered services for that person. In addition, there is probably a family copayment amount specified, after which you do not have to pay for anyone covered by your enrollment.

Copayments for certain services may not count toward your catastrophic protection out-of-pocket maximum, and you must continue to pay copayments for these services. See the plan brochure for specific detailis.

BUT, there's also the Calendar Year Deductable per person:

Annual Deductable — Self

The amount you must pay for health care, before your health plan begins to pay. There is a deductible for each benefit period - usually a year. There may be separate deductibles for different types of services. Deductibles can change every year.

The deductable requirement may be met by reaching the deductable amount for individuals covered under your enrollment, or in some cases it may be met for all persons under your enrollment when family deductable amount has been reached. Individual plans have their own definitions of what expenses are counted toward the deductable amount and those that do not count toward the deductable.

I'm assuming the first one is basically what you are talking about, but in that case, I would only choose ONE plan out of the ones I found, because the others cost $3,000, $4,000, and $5,000. In other words, I would be up shit's creek without a paddle if I get seriously ill. Of courst, that plan (the $1,500 dollar one) costs $149 a month for one person. So I have a choice between the plan I can't afford the premium of, or the plans I can't afford maximum out of pocket expenses from. What's funny is that even the one that costs "only" 1500 bucks is still outside my price range.