Am I understanding out of pocket maximum right? Worried I might be totally screwed

I got a fat bill for a hospital of like $60k, it's still pending and I'm waiting for my EOB but right now it says my insurance it only going to pay 7k of it (I am really crossing my fingers that it's still pending and they've only responded to part of it but I'm not sure). Now let's say they tell me this entire thing is out of network (which I'm not sure) if my out of pocket max for my insurance is 10k and I've already paid $1k towards it (I've met my deductible for in network, and nearly my out of pocket max for in network) would the most I could be responsible for this be 10k?

If not what else does the out of pocket out of network max even mean? This bill is resulting from a hospital stay would there be something else that could prevent them from paying towards this? (I was in the PCU aka intensive care so it was definitely medically needed)

Finally is it normal for an insurance to respond to part of a claim or do they only respond at once? By this I mean I see the bill on the hospital website, it says I owe 60k, my insurance will pay 7k and I owe 53k, yesterday it said it's still pending my insurance response and today it still says the same thing but it shows my insurance paying only $7k of it now. I'm really praying it's only a partial response but I dont know if that's normal

submitted by /u/GodFearingDad
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