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The question “how does a deductible work?” is a good one to ask when you start shopping for health insurance plans. Before you decide on the right type of plan and medical coverage for your needs, it’s important to know a little bit more about how health insurance works. Once you start asking “how does a deductible work,” you’re probably ready to start talking with someone about your health insurance options.

HealthMarkets Insurance Agency has helped Americans enroll in more than 4 million insurance policies since 2010, and our licensed agents can help find the right plan, deductible and coverage for your needs and budget.

What do I need to know about how a deductible works?

You may already have some experience with a deductible when it comes to things like your car insurance or homeowner's insurance. However, health insurance deductibles may work just a little bit differently. Here are the main points you need to know about health insurance deductibles:

  1. The deductible is the dollar amount that you need to pay for health care services before your insurance company starts to apply benefits.
  2. Most of the time, the health insurance deductible for your policy is applied each year.
  3. Your health insurance plan may pay for some types of medical services even before you meet your yearly deductible.

To learn more about your health care options, including asking the question how does a deductible work, talk with one of HealthMarkets thousands of licensed, knowledgeable agents. We’re available to offer personalized assistance in person or over the phone at no additional cost to you. Let us help you make the right decision for your health insurance needs. Contact us today. Or check us out on YouTube to learn more about HealthMarkets.


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