having trouble understanding deductibles and out of pocket maximums. can someone explain?
So i have Cigna Open Access and In-Network. it says my deductible was $1k, but i already met that, thus putting me into their “step 2.” Step 2 says “After the deductible is met, you and the plan share the costs for covered services.”
for a surgery i’m getting on monday, it says that i would pay 10% until i meet the out of pocket maximum. originally the out of pocket maximum was $3k, but i’ve used my insurance quite a bit throughout the year and it says i now have $1,493 out of pocket maximum remaining. then once i reach that, i’d be moved to “step 3,” where my insurance covers 100% afterwards.
assuming my surgery is completely covered (as insurance claimed it would be), would i only be paying that $1,493 remainder out of pocket? or should i still expect to pay the full $3k out of pocket max? since i last spoke to them about this back in february, im not sure if anything changed or what this even means for me. thanks for the help! if there’s any other information needed to better assess please ask.