What does out-of-pocket expenses mean in healthcare coverage?

Out-of-pocket costs are those health-care expenses you pay that are not reimbursed by your health insurance company. Some common out-of-pocket costs include your deductible, co-pay, and co-insurance.  Your health plan will "cap" your out-of-pocket expenses, which means that once you reach the maximum out-of-pocket costs for your plan, your health plan takes over and provides coverage. Generally speaking, your out-of-pocket expenses are applied toward your deductible.

Managing your deductible:

http://www.doctoroz.com/videos/managing-your-deductible