What does $0 deductible applies mean? (plan, benefits, monthly, care)

[whutsgoinon]

What is the difference between $0 deductible applies and 40% deductible applies. Thank you.

[wit-nit]

A zero-deductible plan means that you do not have to meet a minimum balance before the health insurance company will contribute to your health care expenses. Zero-deductible plans typically come with higher premiums, whereas high-deductible plans come with lower monthly premiums.
Deductible. The amount you pay for covered health care services before your insurance plan starts to pay. 40% = you pay 40% of the total bill.

[whutsgoinon]

Originally Posted by wit-nit

A zero-deductible plan means that you do not have to meet a minimum balance before the health insurance company will contribute to your health care expenses. Zero-deductible plans typically come with higher premiums, whereas high-deductible plans come with lower monthly premiums.
Deductible. The amount you pay for covered health care services before your insurance plan starts to pay. 40% = you pay 40% of the total bill.

Thank you but this plan would indeed have a deductible. For primary care office visits and lab services the benefits are: "$0 deductible applies". My previous plan benefits for these PC visits and lab services was: "40% deductible applies".

[Angie682]

That means office visits are not subject to your deductible. There is most likely a copayment for office visits and or charges are then subject to coinsurance.

There is no 40% deductible. A deductible is a flat dollar fee. Then charges are usually subject to coinsurance which is a percentage. Example insurance pays 60% and you owe 40% after you meet a $1,000.00 deductible