- Nov 28, 2007
You have good insurance. During the Obama era ACA the packages were horrific and we had to deal with that personally. But yeah, Dusty should be shamed since he only paid 6k out of pocket then.I'm guessing he had no health insurance because he is self employed. Almost all plans have a max out of pocket, which is the maximum you have to pay before insurance covers 100% of the cost. Our's is $6000. After we spend $6000 for the family, everything else for us is no cost. This year my insurance has been billed almost $300,000 and we only had to pay $6000. Trying to get in all of my visits and tests now before the end of the year. I think most health insurance has a similar policy. If it's " out of network ", our max is $18,000 I think. We never do that. If you have a medical emergency and the hospital is out of network, the bills are covered as if it were in network.