out-of-pocket maximums

An out-of-pocket maximum is the highest amount you will have to pay for covered healthcare services in a plan year. Once you reach this limit through deductibles, copayments, and coinsurance, your insurance will cover 100% of future covered costs. It helps protect you from very high medical expenses, providing financial security in case of serious illness or ongoing healthcare needs. This maximum does not include premiums or services not covered by your insurance plan.