Purchase a 90-day supply of any long-term prescriptions before your policy period ends.Stock up on any non-perishable medical supplies that you need on a regular basis if they are covered by your plan.You may have held off scheduling some procedures because it wasn't an emergency but when you've reached your out-of-pocket maximum, it may be the right time to get things taken care of. Discuss and schedule any elective procedures that you and your health care provider have been considering.Schedule any exams, follow-up visits or medical tests that you may have been putting off.If you still have time left in your policy period (plan year) and are close to reaching your out-of-pocket maximum, you may want to: Have you met your out-of-pocket maximum (or are you close)? Thinking ahead about the health care services that you may need in the coming year and understanding how out-of-pocket maximums work can help you decide which health plan to enroll in. The next policy period (plan year), it starts all over again - note: the policy year may not coincide with the calendar year. Once you reach your out-of-pocket maximum, your health insurance will pay for 100% of most covered health benefits for the rest of that policy period. The out-of-pocket maximum is a limit on what you pay out on top of your premiums during a policy period for deductibles, coinsurance and copays.

Out of pocket maximum