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D E D U C T I B L E

Definition

The deductible is the amount the policy holder must pay out of pocket for health care services before your health insurance provider begins to pay.

For Example...

For example, if your plan’s deductible is $1,500, you’ll pay all expenses until the bills total $1,500. After that, the cost is shared with insurance.

Please Note:

After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.

Here's a tip!

Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles.

To avoid unwanted health-Care billing
surprises, be sure to ALWAYS:

• Ask your insurance company what costs
you must pay out of pocket for your doctor
visit, test, procedure, or surgery.

• Bring your most up-to-date insurance
card(s) to every doctor appointment
and health care visit.

Office Location

115 E 57th Street, 11th Floor

New York, NY 10022

(Between Park Ave & Lexington Ave)

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Office Hours

Monday-Friday
7:00am – 5:00pm

Saturday
8:30am – 3:00pm

Sundays & Holiday Hours
By Appointment only

Monitoring Hours

Monday-Friday
6:45am – 12:00pm

Saturday
8:30am – 12:00pm

Sundays & Holiday Hours
By Appointment only