Ok, so I’m fairly newly employed with my County and the insurance provided is Anthem. I was looking over my policy and I’m just so confused and hoping someone might be able to shed some light onto what exactly everything means. I don’t know what I’m supposed to pay or what my insurance is supposed to pay, etc.

Ok so, not sure if this matters, but I have myself and my 5 kids on my plan.

So first off, it says EPO:

Pay Deductible: Limit is $3,000 of which I have spent $1,500 so I have $1,500 remaining.

Out of Pocket Maximum: Limit is $10,000 of which $0 has been spent.

Then it says: Plan Pays 100% once you’ve met your out-of-pocket maximum.

It goes on to say Plan Details:

Deductible: Family Aggregate: $3,000 per calendar year and Individual: $1,500 per calendar year of which $1,500 has been used

Out-of-Pocket Maximum: Family Includes Copays and Deductible: $10,000 per calendar year and Individual Includes Copays and Deductibles: $5,000

Individual EPO Network: It says me and my 5 kids each have a limit of $1,500, of which one of my kids has already reached their limit so it says there’s $0 left to pay for him.

Out-of-Pocket Maximum:

Family Includes Copays and Deductible: EPO Network: $0 out of $10,000

Individual Includes Copays and Deductible: EPO Network: me and my 5 kids each have a limit of $5,000, of which none of us have used any of it.