Understanding your deductible
Your deductible is the amount you must pay for covered services before your insurance plan begins to pay for covered services. For example, if your plan has a $2,000 individual deductible, you’ll pay the first $2,000 for covered services. You can meet the deductible with an all-at-once charge for an expensive service — such as an MRI or surgery — or with charges from several small services — such as doctor visits — where you pay a small copay. Keep in mind that copays don’t usually count toward your deductible.