The insured pays most of medical expenses up to the Annual Deductible amount, then the insurance kicks in and pays 100% of the medical costs for the rest of the year.

Click the picture at the right for graphical illustration. Move your mouse to MEDICAL BILLS button and click PAY. Keep clicking PAY button to see how the plan works.

Your deductible payments are accumulated in one year period (either policy year or calender year). It starts over for the new period.