Thanks for the clarification, Learning, I was confused. 

I need to look at my health insurance too.  Mine went from about $24 per paycheck, to $56, this year.  After having all those medical expenses last year, I chose a $1000 max payout, and $500 deductible.  Your max payout reflects how much $ Blue Cross paid out for your bills.  It doesn't include all the other $ you had to fork out.

 

Mad