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Medicare insurance coverage deductible is what the company makes the consumer pay before the plan starts paying for your service. Medicare part D can also charge a deductible. What is a deductible for health insurance? There are a lot of different angles for insurance companies. When you purchase your health insurance plan they have what they call a premium. This is what the insurance company charges you to have the health insurance coverage. Let's say the health insurance premium is $200. Many people think this is all they will have to pay and the rest of the coverage is free. This is not the case in many instances. Premium is what you pay the company each month to carry the plan. The deductible is what you would pay before the company would start paying for your coverage and the co-payment is what you pay out of pocket when you go to the doctor or hospital each time. If you had a $3000 deductible and a co-pay of $50 for each time you went to the hospital, you pay the 1st $3000 and then pay $50 each time you go to the doctor.
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