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Deductible [usually it comes out-of-you-pocket] Once the claims arrives to your insurance company, the system will check if the provider belongs to the network (HMO, or PPO) after this, it will apply the discount, previously negotiated, then you will pay the rest until you reach the amount that is your plan’s deductible. Example: If your plan has a $ 1,500 deductible and the claim, after the discount, is $500.00 you will receive a bill for $500 and your remaining deductible will be $1,000 to go. In general deductible applies to Lab tests, MRI, Outpatient Surgery, hospitalization and Emergency Room among other procedures. More Questions? Call us: 708-484-9545

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