copay question

Hello,  I posted this to the RNY board, but thought It might be more appropriate here.   I'm trying to decipher what my out of pocket expenses will be.  I have BC/BS Federal Employee Program, Standard Option.  My booklet says I have a $100 co-pay for hospital admission, and I pay 10% of allowable charges for the surgical procedure.  I have a $250 per year deductable.  The book says the surgical procedure is subject to the deductable.  I also have something else that says that I have an annual out of pocket maximum of $4000.  According to my book, if the total out of pocket expenses for deductibles, coinsurance and copayments exceeds the $4000 (preferred providers) then I don't have to pay any more than that.   So would the maximum I have to pay be my deductable?  Or is it the higher amount??  I *think* this means I have to pay 100% of the first $250 and then 10% of the rest up to a maximum of $4000.  Is this sounding correct??  And I *think* that 10% is of the negotiated rate, yes??  So confusing. Thanks, Kim

This is my take on it... (your insurance is very similar to mine) You have to pay the $250.00 FIRST before they even think about paying for anything. Then you start paying 10% of everything... up to your $4000.00 Out of Pocket... then they pay everything after that. You do have to pay your $100.00 co pay to the hospital ... that will not go towards your deductable or your max out of pocket...  So it looks like you will have to pay... $4350.00 total