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What is a deductible?

A deductible is the amount of eligible expenses an individual or family should expect to pay before a benefit or plan will begin reimbursing eligible expenses.  Since physcians line itemize their services, insurance plans will either apply the patients benefit to either the whole visit or to each line, depending on the structure of the plan and where the services are rendered. When services are performed in the physician's office, a "copay type" plan,  may apply the deductible to services outside of the evaluation such as: injections, casts,  procedures, orthotics, ankle foot orthosis. Other benefit plans that do not offer coverage under a copay, may apply the deductible to the evaluation in addition to the other parts of the visit. Should the insurance relay to our office that the patient's deductible is not satisfied and it applies to any of our services, we will collect the patient's portion according to the contract allowables.