For people with insurance, there’s pretty much always a maximum yearly out of pocket amount, after which things are basically all paid for by insurance.
With a few caveats, yes. At least with the insurance I had last year when I hit the max for the first time, it has to be both deemed medically necessary to do, and be in network. Just because you hit your annual out-of-pocket max doesn’t mean you can get free cosmetic surgery, for example. Out of network treatment also had a separate annual max, so if I saw the wrong specialist or went to the wrong hospital during an emergency, I could still have gotten hit with another $10,000 in bills before that kicked in. And finally, I learned that there are actually annual maximums for certain types of treatment. In my case, I have an autoimmune condition and my doctor wanted me to get blood work done for it every 3 months. In their boundless wisdom, my insurance decided I shouldn’t need blood work more than three times a year, and I got a $1,700 bill for going over the annual limit for such care.
The limitlessness of their wisdom and beneficence is matched only by my pettiness, so I had the pleasure of having my first colonoscopy and an endoscopy the day after Christmas because my gastro said there was a tiny possibility of me having a problem more serious than hemorrhoids and I knew those assholes would have to pay for it, since they pre-authorized it, which added a few grand to what they had to pay for the year.
Are you in licensed dispensaries? Pretty much all the ones I’ve been to, the edible options are 2.5mg, 5mg and 10mg. My other thought, are you sure you aren’t looking at the THC content of the whole container? I have some 10mg chocolates in the freezer, but dead center on the lid’s label is “100mg THC”, then underneath and in a much smaller font, “per bottle.” I’ve noticed that on a lot of packaging, as well as dispensary websites, they choose to list stupid big numbers by just listing the overall content, and not what you would get per unit.