Originally Posted by linberl

Every plan has a maximum annual out of pocket cost - mine is under $5k. The costs are very clearly set, co-pays are enumerated, not a percentage. It could not be clearer. I had kidney stone surgery and it cost me $250 total. The cost of medications are clearly spelled out and one can always shop around for cheaper prices, you can get the prescription from the doctor, you don't have to fill through the HMO care provider. In fact, I have done that where one drug is on a pharmacy $4 generic list so it was cheaper than through my provider. Your information on Advantage plans clearly does not match up with the plans I have investigated or used (Kaiser, Stanford, Canopy, United, Blue Shield).