what do you do when your treatment costs more than

[hedda_foil]

2. If I understand your question correctly ...

I think you may be confusing max out of pocket with the maximum amount your policy will pay. If that's the case, you can rest easy. Max out of pocket means that your policy will now cover the percentage of your medical expenses that you have been covering yourself. In other words, If you normally have had pay 20% of your medical costs out of your own pocket, while your insurance has picked up the remaining 80%, your policy will now cover 100% of covered expenses for the rest of the year. The Affordable Care Act prohibited policy maximums (ie., they would only pay a set amount annually or for your lifetime)l so it's very, very, very unlikely that you have one, whether you have regular health insurance or Medicare Advantage.