What are insurance deductibles?
A deductible is the amount you must pay for healthcare expenses before your health plan starts to cover the costs. Any payments that you make as part of your deductible usually also count toward the out-of-pocket maximum defined in your benefit plan. Different benefit plans have different deductibles. Look at the Insurance Coverage page for information about the deductibles that are part of your benefit plan, or check your health plan website. You can see how much of the cost of each service was applied to your deductible by clicking the “Insurance Paid” amount for a service when looking at the Claim Details. Here is some general information about deductibles: • Plans have different rules about what payments apply toward your deductibles, so you should call and ask for details. • Generally, your copays do not apply toward your deductible. • Any amount above the copay that you pay toward the allowed amount of a covered services does apply to your deductible. For example, if the allowed
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