What Does Health Insurance Really cover?

I am getting bills for medical costs that should have been covered by insurance. What does Health Insurance really cover? I can’t answer that. I’m looking at my claims for the year and find out I’ve paid out way more than my deductible.
When I called the insurance company they told me I have co-insurance after I pay my deductible. I said I don’t have any other insurance. Well shame on me. Co-insurance is actually what I pay after my deductible is met. I should have known that.

Here’s what I’m finding out and hope this will help you figure out what you are really getting.

Co-Pays for Primary Care Physician

Co-Pays for Specialists

Then you have the deductible which I’m trying to figure out if the Co-Pays are part of the deductibles.

Then there’s co-insurance. That means that after you have paid your deductible you pay a % for co-insurance which continues after I’ve met my deductible. But wait, I have a maximum out of pocket of $3000. But that doesn’t count because of the family out of pocket.

If that makes any sense to you, please explain it to me. I’ve asked for an audit because there is no way I can figure this out. It’s like taxes, someone decides on a law regarding taxes and it doesn’t have to make sense, you just have to know that’s what you need to do.

I think I’m going to get catastrophic insurance because this just doesn’t make any sense at all. Why do we pay for health insurance if we don’t get any real benefit from it.

I will be researching and suggest you do the same thing. Because I’m at $18,000 out of pocket between insurance, co-pays, deductibles and co-insurance. And did I mention there’s out of network as well?