Hi, yes. The only figure they've left out is your out of pocket maximum. Then you'll know exactly what you'd pay. So basically:
Your deductible is the minimum amount you are expected to pay toward your healthcare costs during a premium period. For example, mine is $3,000. I am expected to pay $3,000 toward my healthcare expenses from July 1 2016 - June 30 2017. And this includes everything - doctor visits, prescriptions, lab work, etc. After I've paid $3,000, my insurance pays 80% of the remaining bills. I would be expected to pay the remaining 20% balance of the bill up to the value of my annual out of pocket maximum.
Example:
I have surgery. It costs $20,000.
I pay my deductible of $3,000. The balance due falls to $17,000.
Insurance pays out 80% of the $17,000 bill, or $13,600.
I owe another $3,400 UNLESS the amount I have paid thus far this year exceeds the value of my out of pocket maximum.
My annual out of pocket maximum is $10,000. Adding together my $3,000 deductible plus this 20% balance owed gets us to $6,400. Under my plan, I would be expected to pay all of that. If I continued to have further medical bills throughout the year, I could be asked to contribute another $3,600 towards those expenses. Usually it doesn't come to that if you're going to all in network providers.
Now, let's say my out of pocket maximum was only $5,000. I'd be expected to pay my $3,000 deductible. But when we get to the balance owed, as long as the provider is in network with my insurance, I would only be expected to pay another $2,000. Insurance would pick up the remainder or it would be written off per the provider's agreement with insurance. I don't think you can be balance billed once a provider has agreed to accepting an insurance payment, though you'd want to check with your provider about their practices. I know all 3 bottom surgeons I consulted with said they would not balance bill me.
Hope this helps! If you have specific #s you're looking at with your plan, I'm happy to help further.
