sorry you failed to meet your 5000 deductible you only spent 4985.36 out of pocket but it doesn’t matter since it will reset at the end of the month then you can try again and if you meet it then we will cover 25% of in network expenses (except copays) out of network is of course still not covered, until you hit your out of pocket max of 17k for individuals up until the plan limit of 20k at which point your secondary will have to kick in also this is the most efficient system it’s all quite simple really