Zero. I have an HRA which is kinda like an HSA from my employer. I get .$1500 at the beginning of the yr in my HRA account. It pays everything 100% until I exhaust that money. After that I have a 1500 deductible so I pay everything 100%. After I reach that, everything is 80/20 for the next $1500. My annual out of pocket max is 4500, so after those 3 separate 1500 increments I've reached my out of pocket max. Then it goes back to paying 100%. Sounds more confusing than it is. I probably didn't explain it well lol. I reached my OOP max early this yr due to some medical issues. So for several months now I have paid zero for any prescriptions or Dr. visits.
at 10:32 PM on Nov. 16, 2010