How does my maximum out-of-pocket work?

Your out-of-pocket health care costs will be capped for eligible covered, in-network medical and prescription services. The maximum out-of-pocket limit, required by health care reform, is the total amount of eligible covered, in-network medical and prescription services you will pay. The in-network deductible, co-pays and co-insurance for eligible covered, in-network services count toward the limit. Once you reach this amount, the health plan covers all eligible, in-network health care expenses, including co-pays, for the rest of the plan year. However, out-of-network expenses and outpatient prescription drug program penalties do not count toward the maximum out-of-pocket limit and will continue to be the member's responsibility.

Note: Secure Health 3000 only offers ACA-mandated preventive medications.

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