It is important to plan your emergency visits as early in the year as possible. That way if you hit your maximum deductibles and maximum out of pocket limits y

It is important to plan your emergency visits as early in the year as possible. That way if you hit your maximum deductibles and maximum out of pocket limits you get free-ish healthcare the rest of the year. Had a bad appendectomy happen in November. The limits reset Jan 1st. Out another $5000 for the second attempt at removal after a surgery to stare at my appendix before deciding a week of hospital stay with IV antibiotics, 4 CT scans to determine when they would feel comfortable removing my appendix (maxed my $12000) family out of pocket.