Inpatient Behavioral Care is Quote Exceeds OOP Max

I am finally going to inpatient care for my mental health problems that make it impossible for me to live a normal life and keep my relationship healthy and happy. (Yay!) I am a bit confused though. Through my insurance, UHC Gold Choice Plus on Marketplace in Texas, my OOP max is $9,100 with a $0 deductible. I selected my treatment center and the center got in touch with my insurance. Insurance told the treatment center it will be $14,100 OOP and insurance will cover the remaining balance of $36,000. This confuses me because my OOP max is $5,000 less than that. The plan also says cost sharing may apply but after doing some poking around, I'm not sure I understand what that entails. Are they trying to pull a fast one on me? Or is this normal and should I not be concerned?

Any help is greatly appreciated. I just want to make sure I'm not spending an extra $5,000 if possible. Thank you!

submitted by /u/clipboardfuntime
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