“Max out of pocket” only applies to the bill amount the insurance accepts. If the bill is for $100k and insurance says it should cost $30k and your “max out of

“Max out of pocket” only applies to the bill amount the insurance accepts. If the bill is for $100k and insurance says it should cost $30k and your “max out of pocket” is $10k then you owe $80k ($10k for the max + $70k that insurance says shouldn’t be billed.)