Where your money goes first

An example: a $2,000 deductible, 20% coinsurance after that, and one visit with a $1,000 allowed amount.

How much of your deductible have you already met this year?$0 met

$0$2,000

You pay

$1,000

Your plan pays

You pay all of it. That's not a denial — it's the deductible.

Same visit, same price. What changes is where you are in the year.