An out of pocket maximum is generally not the same as a deductible. My wife and I have a similar plan now. It's $1500 (I think) maximum, but we still only pay the routine $20 co-pay for normal visits... $75 for emergency room.
I don't think we've ever actually spent more than $100 out of pocket over and above the monthly premiums. If something went terribly wrong, however, that cap would mean we'd owe at most $1500/yr. That worked out well for my father when my mom had cancer. 4 years of treatment totaling WELL over $1M, and I think he paid like $3500 total.
I don't think we've ever actually spent more than $100 out of pocket over and above the monthly premiums. If something went terribly wrong, however, that cap would mean we'd owe at most $1500/yr. That worked out well for my father when my mom had cancer. 4 years of treatment totaling WELL over $1M, and I think he paid like $3500 total.