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A health insurance deductible is the amount you pay before a specific claim is paid. It does not apply to all benefits, and different deductibles are available.
Typically, the deductible is between $500 and $2,500 although there are both higher and lower options. An HMO often does not have a deductible to meet.
Once you have satisfied the deductible requirements, only a coinsurance may apply. Keep in mind that preventive benefits are usually not subject to the deductible and often office visits and prescriptions are subject to copays only.
As experienced brokers, part of our job is to find the best plans at the lowest available rates that meet your budget and include a deductible that is acceptable to you.
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Typically, the deductible is between $500 and $2,500 although there are both higher and lower options. An HMO often does not have a deductible to meet.
Once you have satisfied the deductible requirements, only a coinsurance may apply. Keep in mind that preventive benefits are usually not subject to the deductible and often office visits and prescriptions are subject to copays only.
As experienced brokers, part of our job is to find the best plans at the lowest available rates that meet your budget and include a deductible that is acceptable to you.