Questions about my Cigna insurance plan

I have Cigna OAP health insurance and I have a question about using it for a visit to a ortho surgeon due to long term hip pains. I do not have a primary care physician and have not made a medical visit in a decade. I’m honestly a little afraid of racking up medical debt even though I’m insured cause I don’t really know how it all works (what they will and won’t cover, out of pocket cost, etc.) and insurance companies seem a little sleazy to me.

My Insurance cards states: • medical deductible $500 • out of pocket max (in network) $3000 • in network co-insurance %20

Assuming I do this all “in-network” Does this mean, the most I could be required to pay is $3000 regardless of total cost? Could there be something the insurance doesn’t cover that I could be required to pay in full outside of the $3000? Should I contact my insurance first before scheduling an appointment? Can I trust what they suggest?

I guess I would just like to know the best way to go about this without getting in over my head with debt.

Thanks for your time,

submitted by /u/Jaydubs_OR
[comments]