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A deductible is the amount you pay for most eligible medical services before your health plan begins to share in the cost of covered services.

If your plan includes copays, you pay the copay flat fee at the time of service for services covered. If it’s not covered you pay the full amount. 

If your plan does not have copays then you will most likely get a PPO network discount if you use a doctor that you verify is “IN NETWORK.” Each carrier has a doctor look up link.

How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.  

Low deductibles are best when an illness or injury requires extensive medical care. High-deductible plans offer more manageable premiums.

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Keep in mind most plans offer “Up front benefits” before you meet your deductible. That means you may get discounts at network doctors or copays to see specials, urgent care and primary care physicians. There is often a much lower deductible when being admitted into a hospital.

(Review details of the plan you choose before you sign up!)