As part of your insurance plan, whether individual or employer provided, you as the insured will have commitments to pay portions of benefits or bills. This may be a simple copay, coinsurance or deductible. Often you will have an out-of-pocket limit or maximum that is the most you will pay prior to the plan paying 100% during a calendar or benefit year. Copays do not always count toward the out-of-pocket limit and with some plans will need to be paid even after reaching this maximum.
For additional information about your benefits, please contact your insurance plan or beneftis administrator.