There are different deductibles. How do they work?
A deductible is the part of the medical expense for which you are responsible when you first seek medical care for an accident or illness. Once you pay the deductible, the claims administrator will pay all eligible expenses for that accident or illness up to the policy limits. If you use a doctor or hospital that is “in-network”, the deductible is $75. If you use a medical provider that is not “in-network”, the deductible is $150. If you have to use an emergency room, the deductible is $150. You might be able to pay a lower deductible of $75 by using an in-network urgent care facility or doctor’s office instead of an emergency room for situations that are not life-threatening.
