Choosing my next years health plan. question on something I dont quite understand

I have several options with my employers plan and the one i am currently considering is confusing me.

This is the plan

Question Answer Overall Deductible $250 Out of Pocket Limit Medical $2,500 / Prescription Drugs $2,000 Primary Care Visit to treat Injury or illness $30 copay/visit Specialist Visit $50 copay Diagnostic Test (x-ray, bloodwork) 0% coinsurance Imaging (CT/PET scans, MRIs) 0% coinsurance

What I dont understand here is that once i meet my $250 deductible, i start paying copay.

but if i understand correctly, copay is a 1 time cost, which also doesnt apply to out of pocket max.

so once I hit my deductible, and have to go see, lets say a specialist, i would only pay $50 for any reason.

so why what does having an out of pocket max do for me here?

submitted by /u/LearningKR
[link] [comments]I have several options with my employers plan and the one i am currently considering is confusing me. This is the plan Question Answer Overall Deductible $250 Out of Pocket Limit Medical $2,500 / Prescription Drugs $2,000 Primary Care Visit to treat Injury or illness $30 copay/visit Specialist Visit $50 copay Diagnostic Test (x-ray, bloodwork) 0% coinsurance Imaging (CT/PET scans, MRIs) 0% coinsurance What I dont understand here is that once i meet my $250 deductible, i start paying copay. but if i understand correctly, copay is a 1 time cost, which also doesnt apply to out of pocket max. so once I hit my deductible, and have to go see, lets say a specialist, i would only pay $50 for any reason. so why what does having an out of pocket max do for me here? submitted by /u/LearningKR [link] [comments]Read Morer/HealthInsurance

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