I know all plans are different but I *think* this is a pretty basic question. We are on a family plan, we each have an individiual deductible & then there is a family deductible.

We have hit LO's individual deductible and that has been applied to our family plan, but I know from all our explanation of benefits that we have paid more out of pocket than that (I'm guessing due to out of network specialists.) My question is why is this not being applied to our family deductible. We have well paid the maximum family out of pocket but yet the bills keep coming in.