how to calculate out-of-pocket expense for medical insurance?

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1. Zarnev
   January 9, 2011
   1:20 am

   You pay your deductible of $300 and then you’ll pay 20% of the charges until 1) you’ve paid an additional $1800 if your policy maximum does not include deductible for a total of $2100 or 2) you’ve paid and additional $1500 if your policy maximum does include the deductible for a total of $1800.

   Be aware that with most policies the co-pays do not go toward either the deductible or the stop loss.