What Is a Deductible?

A deductible is the amount you must pay out-of-pocket for covered medical services before your health insurance plan begins to pay. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services, and your insurance company pays the rest.

How It Works

• For example, if your plan's deductible is $1,000, you must pay the first $1,000 of covered services yourself.
• After you meet your deductible, your plan will start sharing costs with you.

How Mira Mace Can Help

Understanding how deductibles impact your medical bills can be confusing. A Mira Mace advocate can help estimate your out-of-pocket expenses and clarify what counts toward your deductible.