5k then they cover 80%... before that didley squat... 15k is supposed to be 100% unless it's out of network, then you end up with 54k in debt in one year from a few surgeries that you knew the dr was in network, but the nurses, anestesiologist, etc... were not.... fuck high deductables.... it has put me in so much debt just trying to take care of my family, I don't think I'll ever be able to crawl out from under.