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A comment on Show HN: Healthcare Is Dumb. Parent comment

Re:Show HN: Healthcare Is Dumb by mariojv on Friday August 28, 2020 @08:59PM (#24312279)
Don't out of pocket maximums only apply to in-network care most of the time?

I think you're still on the hook for the full coinsurance amount if you're at a hospital and a doctor from out of your network happens to step in the room without telling you they're out of network.

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Re:Show HN: Healthcare Is Dumb by maxerickson on Friday August 28, 2020 @09:06PM (#24312314)
Yeah. I'm certainly not trying to defend the US system, just trying to paint a clearer picture of how it works.

Totally fair to always discuss the huge caveat of out of network providers getting involved without any opportunity to refuse their care alongside the out of pocket maximums for in-network services.

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