Plans have different co-pays, deductibles, and annual out-of-pocket maximums. You
generally must pay certain costs yourself until you reach your plan’s deductible. Even
then, you may still have cost-sharing until you reach your annual out-of-pocket maximum.
After that, your insurance company will pay 100 percent of covered services. Bottom line:
Depending on your plan, you could be required to pay thousands of dollars out of pocket
before your medical expenses are fully covered by insurance.