No. Our health plans have what is known as an out-of-pocket maximum. Your copay, deductible and coinsurance amounts count toward your out-of-pocket maximum. Once you pay the maximum amount, your health plan will pay 100 percent of your covered expenses the rest of the plan year. Your out-of-pocket maximum amount depends on the plan and coverage level you chose when you enrolled. Also, you have separate maximum amounts for in-network and out-of-network expenses.