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What does my deductible mean on my blue cross insurance?

On my medical card it has a $20 copay and then a spot where it says ded: $1000/2000. I'm assuming that is deductible? Is that the amount I have to pay when going to the doctors office and they take care of anything after that amount? And if so, is that what comes out of my check each month? In addition, if I have tests/labwork done, is that included in my insurance after the deductible is paid, or am I going to see a bill for that later on? Thanks!

Public Comments

1. It should have all been explained when you picked your ins. But you can call the 800 or 888 phone number on the back of the card and ask them what your ins deductible is & if its just for office visits or lab or surgeries, etc.
2. 1000 deductible means if you have an individual plan you must pay the first $1,000 of cost before your insurance kicks in. The $2,000 is if you have a family plan (you have to pay the first $2,000 before the plan kicks in) The $20 copay is what you have to pay every time you see your doctor. What comes out of your check each month is your premiums. That is the cost you must pay to have insurance and has nothing to do with your copay or deductibles. You have to check if your plan includes lab tests. Usually these are included in your deductible which means if you have say $600 of lab tests plus another $400 of hospital stay you had to pay these before your plan coverage kicks in. Now your plan may be an 80/20 plan which means that after your first $1000 you still have to pay an additional 20% of hospital costs for the rest of the year if you are hospitalized up to a maximum of what is called out of pocket expenses. That maximum is like $5000 or $8000 or $10,000 - something like that. Again you have to check your policy.
3. You have a $20 copay for office visits, but whether those visits are limited we wouldn't know here. The deductible is the amount you pay before the policy kicks in for services OTHER THAN the visit...lab, xray, surgery, hospital, etc... What you pay after the deductible is unclear...you'd have to ask. If you have no expenses then you don't pay anything towards the deductible. What you pay each month is the premium...the cost to have the coverage.