Realistically that is NOT bad. Our premiums are over $500/month. Our out of pocket after that is very minimal. 90/10 coverage is actually VERY good these days. Many, many, many people have a deductible that high or close to that high before they get ANY coverage. If you add it up, you pay LESS out of pocket then we do if you take your 10% and your premiums combined. We pay about $6240/year in premiums alone. You pay $5600 for premiums and your 10%. In the past there have been thread about how much people pay out of pocket for insurance and typically I have found that we have one of the lower overall cost plans out there and you are lower still.
As for things not being covered--what isn't covered and why? The problem is that people look at the premium cost alone and think it is bad but when you take into consideration ALL costs, sometimes a higher premium actually saves you money in the long run.