help me to understand please? (meeting deductible)

hi, so i'm shopping on the marketplace for insurance. i qualify for special enrollment. and just for example, one of plans has a $500 deductible, and for a specialist it says "in network: $50 per visit from day 1."

so does this mean that if i go to a specialist I have to pay up to $500 out of my pocket, and then I would have met my deductible, so going forward all specialist visits will be $50? also, what if the specialist visit is $800 for example. so would the visit be $500 (deductible amount) + $50 (copay to pay for the rest of it)?

I have another question(s) too. it also says for emergency room care: in network is 30% coinsurance after deductible. So does this mean that, for example, if the emergency room visit is $2000 they would make me pay the deductible first of $500 and subtract that from the total first (assuming I haven't met the deductible yet), which would be $1500 and then only make me pay 30% for the remaining amount, so $450? so would the total ER visit be $450+$500?

thanks for your help!

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submitted by /u/kh7190
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