There is a limit to the amount of out-of-pocket costs you have to pay for your health care.
This is called the “annual out-of-pocket maximum.” It protects you if you or a family member has a major illness or accident. In 2016, by law, the out-of-pocket maximum can be no more than $6,850 for an individual or $13,700 for a family. After you pay the out-of-pocket maximum, the health insurance company pays for all of the health services that year. Some health plans have lower out-of-pocket maximums.
Help is available!
Insurance is complicated. Dealing with insurance companies doesn’t always go smoothly. Don’t feel like it is your fault!
If you receive a bill you don’t understand, call member services and ask them to explain it. Take careful notes during any phone calls you have with your insurance company.