This is why it pays to have even shitty insurance guys!
Me:
Emergency room co-pay: $150
8 days in the hospital + open heart surgery from the head of the department: $100
All the drugs and oxygen bottles I could carry: $100
4 weeks later, my company gets acquired, my insurance changes, I lose all my doctors, my hospital, and have to start over in a new medical system. I also developed complications.
7 days in the hospital getting fluid drained: $6,500.
That met my yearly out of pocket maximum and evaporated my signing bonus with the new company.
My share was $6,500. Once I hit that, insurance covered 100%.
Annual out of pocket maximum.