Out-of-pocket maximum

I have BCBS PPO. My policy states that in-network coverage has a $100 deductible and a 10% co-pay with an out-of-pocket maximum of $600. Out-of-network coverage is a $100 deductible and a 20% co-pay with an out-of-pocket maximum of $1600. Just today I rec'd one of my EOB's from the insurance. Obviously it contains just a small portion of my total charges. This statement shows the total charges are $10,745.80 and the allowed amount is the same total. There is still question as to whether it will be billed as "in-network" or "out-of-network" as my surgery was 1/13/04 and up until 12/31/03 this facility was "in-network" but at the time of my surgery had not yet signed the contract with my insurer to be in network with this PPO. Regardless, my understanding from HR and the insurance co. was that my total out-of-pocket, even if it were out-of-network would be $1600. But the EOB shows my deductible of $100 and my "co-insurance" amount being $1781.68 - is the EOB a reliable source for the "final" cost, or should I wait on the bill from the hospital? Are these charges "adjusted" in the future to reflect my out-of-pocket maximum or does it look like they will require me to pay more than the $1600? I know to expect more EOB's and such being that I had complications, a second surgery, and a 6-day hospital stay......so it will no doubt be much more than $10,000 - just curious about the maximum out of MY pocket.

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