How does a deductible work?

I have received many questions from applicants asking how their deductible works.
For example: I will use a $1000 deductible as an example. If you go to the Doctors office because you are sick and have services done by the Dr., a claim will be created. That claim may or may not be a negotiated rate between the insurance company and the Dr. If it is a negotiated rate, then the claim will be processed by the insurance company and the reduced bill of service will then be sent to the customer. The customer pays the reduced amount(let's just say the reduced bill is $100) and that amount they pay will be deducted from the deductible. The $1000 deductible will be reduced by $100 and $900 would remain to meet as the year progresses. Once the deductible has been met by your reduced payment for claims then the plan would kick into the next level of coverage. That level will be 80% or 90% or 100% coverage by the insurance company depending on what plan you chose. I hope this helps.