{"id":1646,"date":"2016-05-25T13:50:20","date_gmt":"2016-05-25T17:50:20","guid":{"rendered":"https:\/\/singlecare.com\/blog\/?p=1646"},"modified":"2026-02-11T10:32:12","modified_gmt":"2026-02-11T15:32:12","slug":"healthcare-defined-deductible","status":"publish","type":"post","link":"https:\/\/www.singlecare.com\/blog\/healthcare-defined-deductible\/","title":{"rendered":"What is a deductible?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Sometimes healthcare terms can seem like a whole different language. With words like <\/span><span style=\"font-weight: 400;\">copay<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">deductible<\/span><span style=\"font-weight: 400;\">, and <\/span><span style=\"font-weight: 400;\">out-of-pocket maximum<\/span><span style=\"font-weight: 400;\"> being thrown around, how are you supposed to know what\u2019s what?\u00a0<\/span><span style=\"font-weight: 400;\">Let\u2019s start with the commonly used word <\/span><i><span style=\"font-weight: 400;\">deductible<\/span><\/i><span style=\"font-weight: 400;\">. What is a deductible? Put simply, a deductible is the amount of money you have to pay out of pocket for healthcare services\u2014which includes check-ups, surgery, and prescription medication\u2014before your health insurance company pays for any medical expenses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The term deductible is not only used for health insurance, but also for auto insurance or home insurance plans. The deductible amount varies depending on which insurance policy you choose and typically resets yearly in January. For some people, the deductible amount is set by the state or federal government, as is the case with Medicare.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your deductible is one of several costs associated with your having health insurance, in addition to copays or coinsurance, and your monthly premium, which is what your insurance company charges you to participate in the plan. If you are in an employer-provided plan, your monthly premium may be taken out of your paycheck. If you are a person with Medicare, your premium may be withheld automatically from your monthly Social Security check.<\/span><\/p>\n<h2 id=\"what-is-the-point-of-an-insurance-deductible\"><span style=\"font-weight: 400;\">What is the point of an insurance deductible?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Deductibles help keep the cost of having health insurance more affordable by having policyholders pay for routine procedures and smaller insurance claims out-of-pocket earlier in the year, while insurance companies pay for larger, more expensive healthcare procedures after the deductible is met. When your deductible is higher, you\u2019ll usually pay a lower monthly premium. Because the insurance company initially pays out less for your claims with a higher deductible, it can afford to charge a lower monthly premium. The amount of each plan\u2019s deductible is set by the insurance company, or the government, depending on what type of health insurance you have.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\t\t<div class=\"singlecare-dynamic-newsletter-wrapper sin-newsletter-wrapper\">\n\t\t\t<span class=\"heading\">Get our wellness newsletter<\/span>\n\t\t\t<form class=\"form-wrapper\" data-newsletter-form=\"1\" data-subsource=\"Wellness Newsletter\">\n\t\t\t\t<div class=\"input-wrapper\">\n\t\t\t\t\t<label for=\"dynamic-email\">Email<\/label>\n\t\t\t\t\t<input type=\"email\" id=\"dynamic-email\" class=\"email\" required>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"input-wrapper\">\n\t\t\t\t\t<input class=\"submit-form-btn\" type=\"submit\" value=\"Click to sign up\">\n\t\t\t\t<\/div>\n\t\t\t<\/form>\n\t\t\t<p class=\"success-message\" aria-live=\"polite\"><\/p>\n\t\t<\/div>\n\t<\/span><\/p>\n<h2 id=\"how-do-deductibles-work\"><span style=\"font-weight: 400;\">How do deductibles work?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding how a deductible works can be a bit tricky. Let\u2019s say your health insurance plan includes a $1,000 deductible. That means you have to pay $1,000 for your medical costs (in any given year) before your insurance company starts to pay some of your healthcare costs. <\/span><a href=\"https:\/\/www.singlecare.com\/blog\/healthcare-defined-copay\/\"><span style=\"font-weight: 400;\">Copayments<\/span><\/a><span style=\"font-weight: 400;\"> (copays) aren\u2019t typically applied toward your deductible; it varies by plan if payment for doctor visits and prescription drugs count toward your deductible or not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, after you\u2019ve incurred and paid that $1,000, your insurance company will help cover any further expenses. These expenses could be lab work, in-office procedures, or surgeries. Sometimes people also are responsible for <\/span><a href=\"https:\/\/www.singlecare.com\/blog\/healthcare-defined-coinsurance\/\"><span style=\"font-weight: 400;\">coinsurance<\/span><\/a><span style=\"font-weight: 400;\">, which is a consumer-paid percentage of healthcare costs usually after a deductible is met.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re at the doctor, you may hear the phrase \u201csubject to deductible.\u201d This means that the doctor\u2019s estimated costs do not take into account whether you have hit your deductible for the year or not. Some services may not be subject to the deductible and will be covered 100% by your insurance provider even before hitting your deductible. These services typically include preventive care, like yearly physicals or routine immunizations. Others may require you to pay more out of pocket if you haven\u2019t hit your deductible for the calendar year.<\/span><\/p>\n<h2 id=\"what-does-a-deductible-mean-for-you\"><span style=\"font-weight: 400;\">What does a deductible mean for you?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When signing up for health insurance, take a moment to think about the deductible you choose. High-deductible health plans often come with lower monthly premiums and lower deductibles usually come with higher premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you find you make a lot of visits to the doctor in a year, consider a lower deductible, higher premium plan as you\u2019ll hit your deductible a little bit sooner and your plan will pay more of your costs. If you rarely experience any health issues or didn\u2019t meet your deductible the year before, consider a higher deductible, lower premium plan to get the best value for your money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Consideration of premium and deductible amounts are among the many factors you should think about when choosing a plan. You should also consider whether your doctors participate in a plan\u2019s network, and whether the specific medical services you require are covered, among other concerns.\u00a0<\/span><\/p>\n<p><b>RELATED: <\/b><a href=\"https:\/\/www.singlecare.com\/blog\/insurance-deductible-met\/\"><b>5 health services to do after you\u2019ve met your deductible<\/b><\/a><\/p>\n<h2 id=\"how-to-save-money-on-health-insurance-deductibles\"><span style=\"font-weight: 400;\">How to save money on health insurance deductibles<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Cost-effective healthcare plans are available, but vary by state and income. Some people may be eligible for public benefits that might lower or eliminate deductibles. For people who aren&#8217;t eligible for these subsidies, employer-provided insurance plans typically offer the best cost savings, since you split costs with your employer. For more information on the best health insurance options for people who are self-employed, see <\/span><a href=\"https:\/\/www.singlecare.com\/blog\/best-health-insurance-options-for-self-employed\/\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another way to save is to write off medical expenses on your taxes. As of 2019, there is a <\/span><a href=\"https:\/\/www.irs.gov\/taxtopics\/tc502\"><span style=\"font-weight: 400;\">medical expense deduction<\/span><\/a><span style=\"font-weight: 400;\">. If you tally up the dollar amount of all medical bills and they equal more than 7.5% of your annual gross income, you may be able to deduct them on your taxes. The only items that can be deducted are out-of-pocket costs that were not covered by your health insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No matter the amount of your deductible, <\/span><a href=\"https:\/\/www.singlecare.com\/\"><span style=\"font-weight: 400;\">SingleCare<\/span><\/a><span style=\"font-weight: 400;\"> offers savings on prescription medications. Simply search for your medication and compare our price to either the cash price or your insurance\u2019s copay. Start saving today!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sometimes healthcare terms can seem like a whole different language. With words like copay, deductible, and out-of-pocket maximum being thrown around, how are you supposed to know what\u2019s what?\u00a0Let\u2019s start with the commonly used word deductible. What is a deductible? Put simply, a deductible is the amount of money you have to pay out of [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":10123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[608,691],"coauthors":[15090],"class_list":["post-1646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-company","tag-health-insurance","tag-healthcare-costs","franchise-healthcare-defined","wpautop"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Healthcare Defined: What is a deductible? - The Checkup<\/title>\n<meta name=\"description\" content=\"A deductible is the amount of money you pay for healthcare before your insurance coverage kicks in. 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