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What does a deductible mean?

Dr. Michael Roizen, MD
Internal Medicine
Your health insurance deductible is the amount of money you need to cough up before your insurance company starts covering their share of the bill or reducing your co-pays.

Some have separate deductibles for health care and prescriptions. Some insurance plans have baritone bass loooooow deductibles (which are typically associated with soprano hiiiiiiigh monthly premiums) while others offer sky high deductibles (which are typically associated with low monthly premiums).

Deductibles can be individual or family. The family deductibles are usually twice the individual deductible, but it includes several people. Also, deductibles can change each year, depending on the insurer etc., and the small print.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.