Yeah, like on ours right now we have a $750 per person deductible, but even once we hit that we still have 20% coinsurance until we hit the out of pocket maximum (I believe $5000 per person). So even if we'd already hit our deductible, a procedure that was billed at $5,000 we'd still have to pay $1,000 of.
Ah, I see. There was definitely a copay, but I don't know if there were co-insurance costs for the exams leading up to surgery.