A deductible is how much you will pay in covered medical costs before your plan starts paying for any health care expenses. Adding a deductible to your Access Plan will help lower your monthly premium but means you will have to pay more for health care services before your Access Plan starts paying Benefit Amounts to you. Keep in mind that the Benefit Amount(s) that the plan would have paid you are applied toward the deductible.
For example, with a $500 deductible, you pay the first $500 of covered services yourself. Only the Benefit Amount for the covered service will apply toward your deductible. After you pay your deductible, your plan will start to pay the Benefit Amounts for the covered medical care you receive.