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The deductible is the amount that you are responsible to pay before the insurance benefits start paying for the treatments or services.

If you choose a zero ($0) deductible, that means you are not required to pay any deductible and your benefits start immediately. If a plan pays 80% for the first $5,000, and 100% after that, this means that the insurance pays 80% for your first bills of up to $5,000.

Example : Say you pick a policy with $0 deductible that pays 80% for the first $5,000 and 100% after that. Assume there are claims of $25,000. The deductible is $0. So, you do not have to satisfy any deductible. Now, out of this $25,000 worth of claims, insurance pays 80% for the first $5,000, which is $4,000, and you would be responsible for $1,000. Any amount after that means from $5,001 to $25,000, insurance will pay 100%. So, with this particular policy, out of a total of $25,000 in claims, you pay $1,000 out-of-pocket and rest is paid by the insurance company.

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Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our Terms and Conditions and User Agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.