![]() Once you hit your out-of-pocket maximum - say, $4,000 - after spending that amount on deductibles, copayments, and coinsurance, you won’t pay anything for services.ĭo you have a question or idea for Even Better? You’ll need to pay for the first $2,000 of covered services yourself after that point, when you go to a doctor, you’ll only pay a copay (say, $20 for a doctor’s appointment) or coinsurance (where you’ll be responsible for 30 percent of the total bill, for instance).
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