Has anyone encountered the out-of-pocket maximum situation before?

I'm normally covered by a PPO, but I'm having the surgery in Montana where they don't have PPO coverage, so theoretically my coverage is 80%. But I also have a stipulation in my plan that says I have an "Out of pocket Maximum" of $1500 per year. If it's 80% of $20,000 I'll still owe $4000. If this out of pocket max is correct, only another $1100 or so. Has anyone else had the same thing in their insurance plan, and if so, what did you have to pay? Thanks so much!

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