Administrative & LegalQuestion 92 of 100
A patient's insurance plan has a $1,500 annual deductible and a $30 office visit copay. What does the deductible represent?
a.The amount the patient must pay out of pocket for covered services each year before the plan begins to pay
b.The monthly amount the patient pays to keep the policy active
c.The fixed amount collected at each visit
d.The percentage of the bill the patient owes after the plan starts paying
Explanation
A deductible is the annual amount a patient must pay for covered services before insurance benefits begin. The monthly cost of keeping coverage is the premium, and the fixed per-visit amount is the copay. The percentage the patient owes after the deductible is met is coinsurance, so each term describes a different part of cost sharing.
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