The IRS Deductions Blog

Question: how do we meet the deductible on our healthcare plan?

We had a health-fund but have used it up, and before our insurance can be used we still need to pay out about 300 to meet our deductible. How do we pay it?

Answer: If your health fund is used up, you will owe the rest of the deductible out of pocket. Remember, though the insurance company cant see if you actually pay the deductible to the care provider, the claims only show what applied to the deductible. So, if you need to you can set up a payment plan with your care provider for the rest of the deductible. Usually, any claim that does not apply a copay is going to apply to your deductible until it is satisfied. The amount that goes toward your deductible is the amount the insurance company has contracted with your care provider. They will accept that amount as payment in full. Thus, the on said claims will go toward deductible, until it shows satisfied on your claims.

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