I switched to a HDHP this year, and from what I understand, my deductable is $3k, after which the insurance will pay 90% of costs, until I hit my max OOP of $4k. My husband goes to a therapist weekly and I'm due to have a baby in September, so that $4k will come pretty fast.
But I have a really wierd question. It seems like in addition to the therapy and the baby, any other medical care would be covered at 100% (assuming in network) because our OOP max will be hit. So for example, if I started going to the chiropractor every week or two, we would hit the max OOP sooner, but from then on everything would be covered. It almost seems like the chiro care (or anything else) would be "free" in the sense that it would be covered after we meet our OOP Max.
Does that sound right? Am I missing something? I've called the insurance company, but they don't seem to have any answers. Does my understanding of the situation seem correct?