My out of pocket max was $3,000.00 and I hit it pretty quickly this year. After that covered at 100%. But my premiums were paid by the firm at 100% so that basically I was only out of pocket $3,000.00 which all things considered is not that bad, especially when you consider Remicade is billed at $10,000.00 per infusion.
Going forward I am going to pay $150-$200 per month for the premium which will get taken from my salary. Thus my total out of pocket between premiums and deductibles could be closer to $5000 this year.