BrownFlush
Woke Racist Reigning Ban King
In my 9 years so far, I have went over the max ( My wife ) 4 times.Pretty sure there's no annual limit, it's basically the same plan we have while working.
When that happens, there are no provider discounts negotiated. The bill is all yours.
Probably somewhere between $100K - $120K out of pocket so far. Guess if you add it up, I have paid what your premium is starting at 52.
Got 4 years for me and 3 for her till 65. Anything can happen.