Understanding my Deductible/co Insurance/out of Pocket Max.

My husband recently left his job and we switched over to my insurance. He was in a bad motorcycle accident about 2 weeks ago and was airlifted to the hospital and spent 6 days there. On our plan, approved inpatient stays are covered subject to a $100 copayment per day, up to a maximum of $300 per admittance. We know that was approved and we only need to pay $300 for his stay. However, we got his airlift bill and it was a whopping $44,000!!! Our plan has a $2,000 individual out of pocket maximum per calendar year and emergency transportation is covered at 80% coinsurance, with us paying 20% co
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