<prompt> Human: Just a general question, if someone has a 3000 deductable and Max 6000 out of pocket what happens is they get build a huge amount for something they needed in a hospital.If 6k is all they are responsible for how to people accrue huge medical bills that I read about in this sub.My friend recieved a 30k bill last week. That would empty the emergency fund for most people.Assistant: Going somewhere out of their insurance companies network would certainly do itHuman: Is this not covered by Max out of pocket ?  <response>: No, only covered claims count towards your out-of-pocket maximums. Your friend should compare that bill to the EOB from the insurance company to determine whats truly owed. It could be that the provider hasnt had the claim processed by insurance yet. 