> This is what I don't get about discussions of US healthcare online. Everyone has a max out of pocket. Max out of pocket doesn't mean what the insurance compa

> This is what I don't get about discussions of US healthcare online. Everyone has a max out of pocket. Max out of pocket doesn't mean what the insurance company marketing arm wants you to believe (and most people believe). When you actually have large medical expenses, the insurance company will use the full strenght of their lawyer army to deny everything, claim it was all unnecessary and unauthorized and deny deny deny. Your "max out of pocket" doesn't apply to any of that since they get to unilaterally say it wasn't covered. That's how you end up with hundreds of thousands in debt even though the paperwork claimed your max out of pocket is 7K or whatever. As others mention here, you can fight it but it will become a full time job for a very long time and you'll be an amateur fighting full-time professionals at denying. You can win some but it'll be an uphill battle.