What you pay yourself before insurance starts covering costs.
A deductible is the amount you pay out of pocket each plan year before your insurer begins paying its share. A $2,000 deductible means you cover the first $2,000 of covered care before coinsurance kicks in.
“In-network deductible: $2,000 individual / $4,000 family.”
Upload your bill or EOB and Main AI checks it line by line, flagging where a charge or term like this may not be right.
Analyze my document free →These three work together. After the deductible, you usually pay coinsurance (a percentage) until you hit the out-of-pocket maximum, after which the plan pays 100%. Some services (like preventive care) are covered before the deductible. Check whether in- and out-of-network deductibles are separate — they usually are.
See this in your own document: run a free analysis — findings quote the exact language.
“This service applied to your deductible. You owe $180.”
Seeing a charge “applied to deductible” on your EOB means insurance did not pay because you have not met it yet — not that the bill is wrong.