Health Insurance

How does out-of-pocket spending work?

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  • Out-of-pocket costs are those health care expenses you pay that are not paid by your health plan. Some common out-of-pocket costs include your deductible, co-pay, and co-insurance. Your health plan will "cap" your out-of-pocket expenses. This means that once you reach the maximum out-of-pocket costs for your plan, your health plan will then pay benefits at 100% for the remainder of the plan year. Read your plan documents for specific details on out-of-pocket costs.
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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.
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