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UnitedHealthcare answeredA deductible is an established amount of money you must pay annually before your health insurance plan will begin to pay. Deductibles for managed care plans can be as low as $250 to $500 or as high as $4,000 to $5,000. For example, if your deductible is $250, you have to spend $250 for doctors' visits or for prescription medications before your health insurance company will start to pay. While prescription drugs and laboratory tests count toward the managed care plan's deductible, over-the-counter medications and at-home medical tests may not count toward the deductible. Be sure to check your plan for specific coverage details.Helpful? 2 people found this helpful.