BCBS ppo insurance question

Hi - processing date.

Just chiming in to agree with the previous posters. I've had a high-deductible health plan through a BC/BS PPO for years. While the deductible and maximum co-insurance amounts will be applied in the order they are processed, there are a couple clarifications that I would like to add:

1. My plan "resets" on January 1 so any services that I received through December 31 and the claim processed in January are still processed as if they were from the previous calendar year and not the new year.

2. My zero cost after reaching my global out of pocket maximum still only applies to in network services. Much higher bills can still be expected for anything out of network. Unfortunately, I've been bit a couple times by this despite my attention to utilizing only in network services. It's usually been lab work.

Once you've reached your out of pocket maximum, be sure to go ahead and take advantage of any other covered services that you've been putting off.

I just would like to add my two cents. As expected I met my oops max when DXd in calendar 2017. Added elbow lump removal. Total hysterectomy. Colonoscopy. Endoscopy. Series of cardiology tests. And all medicine I needed. Of course my health insurance started sending me do this preventive ck and that after 2017.