健康保險從口袋意味著什麼？
健康保險從口袋意味著什麼？
 Out of pocket is the amount you have to pay out of pocket for covered medical expenses. For example if your policy has a $10,000 out of pocket max, then the most you would pay for covered medical expenses would be $10,000 plus your deductible for that year regardless of how much your actual medical expenses were. The key here is covered medical expenses. If a procedure is not covered the out of pocket for that procedure would not be included in the total out of pocket in your policy. Deductibles and copay's also typically do not count, so if you go to a doctor and have a $20 copay, that $20 is not counted in the out of pocket max.
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