What is an annual deductible?

An annual deductible is an amount you're responsible for paying each year for covered medical expenses before your insurance plan begins to pay. For example, if you have a $1,000 deductible and 20% coinsurance, you will generally pay 100% of expenses up to $1,000. After that, you'll pay 20% until you reach your out-of-pocket maximum. The out-of-pocket maximum is the most you have to pay in one year, out-of-pocket, for your health care before your insurance plan covers 100% of the bill.

If your insurance plan is in the MDLIVE network, we will typically know your obligation concerning copays, coinsurance, and deductibles. We will use that information to inform you of your likely out-of-pocket costs for your MDLIVE visit.

If you have a medical or mental health emergency, call 911.

Seek immediate medical attention if you experience a life-threatening condition or acute or severe symptoms.

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