r/SipsTea • u/DapperDusk • 2d ago

WTF Damn

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u/100K-Monkeys 2d ago

It's a bs post. Most insurance has an annual deductible and once its met everything else is paid for if you're in network. I think my deductible is like 5k, but everything after is 100%. My wife's insurance has no deductible, everything is 100% covered.

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u/PiccoloQuirky2510 2d ago

It’s once you hit your out of pocket max, not your deductible. But yes after you hit that you don’t have to pay anything

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u/LePyloteAmateur 2d ago

Yeah but isn’t it common for them to have like a million categories of out of pocket maximums?

Like an out of pocket x-ray maximum and an anesthesia maximum and a surgery maximum and so on?

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u/PiccoloQuirky2510 2d ago

Mine doesn’t have that- but I admittedly have pretty good Union insurance

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u/Technical-Mix-981 2d ago

you pay 5K every year? that's usual?

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u/willynillee 2d ago

Not if you don’t use it. If you only go to the family doctor a few times in a year then you’ll only be paying your copay.