Anon - It's not a deductible.

You mentioned you thought $2,500 'deductible' seemed high but that is totally ~not~ what I'm talking about. It's not a deductible, it's the max out of pocket amount.

The copay is only $15/appointment. The deductible is only $250. The ~max out of pocket~ is $2,500.

See, "copays" is just your portion you pay at an office visit. It doesn't go towards max out of pocket. It's just your portion per office visit. This is what you were talking about in your comment.

A "deductible" is the amount you have to pay first, before any other coverage kicks in. IE: Let's say you go to the doctor and the visit costs $200. Since my deductible is $250, I would still have to pay that $200. Then, for the next $200 appointment, I would only have to pay $50, which then my deductible of $250 would be met and the rest of the balance would be paid.

For "Max out of pocket", this is an amount that the insurance says it the max you will EVER have to pay for within a year. It doesn't include copays though. So, let's say I had a $12,500 procedure done, say, IVF#1. The plan covers 80% ~after~ deductible.
~ $12,500 total cost.
~ minus $250 deductible which I would have to pay.
~ This would leave $12,250.
~ My insurance would cover 80%, which is $9800, leaving me with a balance of $2,450.
~ But my "max out of pocket" is $2,500. So I since I already paid $250 towards the deductible, I would only have to pay $2250, because that would add up to $2,500.
~ After that, my insurance would pay 100% - so after all is said and done, I would only pay $2,500 and my insurance would pick up the remaining $10,000.
~ For any FUTURE bills, I already paid my max out of pocket. So everything would be then covered at 100%. I could have another $12,500 IVF#2, but I wouldn't pay anything, as I already paid $2,500.

Get it? - it's not a $2,500 deductible I would pay each time. This insurance is a GOOD thing. What you were thinking would be robbery!!! Ack!!