Hey all, I have a need for a surgery coming up and I contacted my insurance to find out what all of that would look like.

The website lists my OOP Maximum as $1200 and does not list a deductible.

When I called to speak with my insurance earlier I was told I would need to cover my total co-insurance (by my estimates after shopping around about 9k) for an upcoming surgery since I did not reach my OOP Max before hand.

That did not seem correct to me. I feel like the person I was speaking with was thinking of a Deductible

31, Texas, 38k a year