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Don’t forget, insurance covers 50% before the deductible is met, not after. When a policy has that verbiage, usually there’s a footnote that states how those claims are handled in the future. From what I’ve seen, that could mean that insurance will cover 100% of said procedure after the deductible is met or it could mean a co-insurance of 30%.
After the deductible is met, OP won’t necessarily pay 50%. The percentage of the bill that OP and/or insurance will pay will be on a footnote at the bottom of the blue plan overview page (at least it’s blue when looking at plans from the ACA marketplace).
Yeah, it’s just like growing up. I remember as a kid hoping the weather would finally cool down by Halloween so we wouldn’t sweat through our costumes. In fact there were a couple years that we changed which costume we were going to buy because it would have been too hot to wear.