What does it mean when you have a deductible- Health Insurance****?

Sarah

New member
What does it mean when you have a 5,000 deductible? does that mean that i order for my insurance to pay I have to first pay 5,000 out of pocket?
If so, what is the point of the Insurance, I'd be paying over $200 a month, as well as paying for all my doctor visits until reach 5,000 THEN my insurance kicks in?
 
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