Hello everybody, I want to arrange an insurance policy because next year I'm going to study at USA. The university set some mandatory requisites for privacy policies, one of them is the following: "deductible should not exceed &100 per illness or injury, with a maximum out of pocket expense of $3.500 per illness or injury". I dont know what is the meaning of "maximum out of pocket expense of $3.500". In addition, I dont understand the meaning of "deductible". Someone can help me? Thanks!