Help understanding my benefits please
I am considering which benefits to choose. I am overwhelmed at understanding what this all means am looking at these plans for family coverage. I need help to be sure I am understanding them correctly. Here is a screenshot of my choices.
https://imgur.com/3Jumw8F
Deductible – for left plan, I pay anything up to $3200, then they pay rest; for right plan, I pay anything up to $1500, then they pay rest. Correct?
Office visits – for left plan, I pay 10% of an unknown amount; for right plan, I pay $35-40 no matter what. Correct?
All the things that are measured in percents – I pay 10% of an unknown cost for any of those things. So if an outpatient visit is billed at $5000, I pay $500. Correct?
Out of pocket maximum – this means that no matter what, for in-network care, I will never have to pay more than $7K on the left plan or $8K on the right plan for costs across my whole family for the year. So once I hit $7K or $8K, the plan will pay in full. Correct?
How does the deductible work with the out of pocket max? For example, with the left plan, if the deductible is $3200, then they pay anything after that, how would I even reach the out of pocket max? Is the deductible per instance of care? How is an instance of care defined?
No one in my family has any big medical needs but of course that can change at any moment.
So many questions – I appreciate all the help I can get! Thank you.