If all your providers are IN NETWORK that is the correct except you are $200 over.
$2600 + 6000 = $8600.
Then add RX expenses and premiums.
Some providers of medically necessary treatments are OUT OF UHC/Anthems NETWORK of participating providers .
For instance if you live in Pocatello Idaho. Is there a breadth of providers that are all in network (UHC or Anthem)? Sometimes not.
Chiropractor, family counseling, child development (autism) mental health, physical therapy, acupuncture, injury or sickness out of the country, etc is mostly LIKELY out of network and subject to the separate out of network deductible and co insurance limit.
Your exposure is $8600 plus the additional out of network deductible and co insurance maximum.
That is close to $23,600 per year plus the cost of the Green Plan and RX expenses.
BTW, the PVC doesn't know Richard about much. If they are your source then get better sources. The PVC should not be talking about anything to anyone unless they hire a third party to educate the pilot group FIRST.
The PVC guesses and that is about IT!