How your MOOP works
Your maximum out-of-pocket amount is the most you can pay for covered health care in a 12-month period. It includes your deductible, eligible copays and eligible coinsurance payments. Your MOOP does not include your monthly premium payments.
Most payments that you make after receiving care go toward your MOOP. Once you pay the total of your MOOP amount, your plan will begin to pay for 100% of your covered benefits until the MOOP “resets” at zero in the next coverage year.