Timo,

Yes, all of that was covered. I'm making an assumption on an ambulance ride since I never took one.

The way it worked was:

Individual paid annual deductible ($1,500 in my example)

Then co-insurance kicked in where the individual paid 20% of all subsequent expenses up to the annual out of pocket maximum (in which the deductible is included). Annual out-of-pocket maximum in my example was $3,000.

After the annual out of pocket maximum is reached, insurance covers 100%
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Kind Regards,
Jay

Almost all of us long for peace and freedom; but very few of us have much enthusiasm for the thoughts, feelings, and actions that make for peace and freedom. - Aldous Huxley

Was the government to prescribe to us our medicine and diet, our bodies would be in such keeping as our souls are now. - Thomas Jefferson