Deductible plans

You pay the full cost for certain services until you reach a set amount for the year — your deductible. After you reach your deductible, you typically just pay a copay or coinsurance. With some plans, you may pay a copay or coinsurance for certain services even before you reach your deductible.*

The cost of your visit depends on your plan, the care you need, and how much you’ve paid toward your deductible and out-of-pocket maximum. Before your visit, you can get a personalized cost estimate to help avoid surprises.

The amount you may pay at check-in might not cover everything you owe. That’s because your care team doesn’t know exactly what you need until they talk with you. You could receive a bill after your visit if:

• You received additional services, such as lab tests or X-rays
• What you paid didn’t cover the full cost of your scheduled services

Preventive care — like flu shots, mammograms, and routine physical exams — helps you stay healthy. But when you have symptoms, you may need diagnostic care to help find out the cause. For example, if you came in for a checkup and discussed an unrelated injury, your doctor might order an X-ray for it. You’d get a bill for the X-ray because it's diagnostic, not preventive. Visit kp.org/mybenefits to estimate your costs for services.