Deductible plans

Woman holding her baby, looking at a laptop

A guide to getting the most from your health plan

Life is unpredictable. Your health care costs shouldn’t be. From copays to coinsurance, get to know the basics of your deductible plan and how to use it.

Virtual Complete Member?

Visit to learn more about how your plan works and what you’ll pay

Dollar sign icon

Understand your costs

Get an idea of what you’ll pay so you can plan ahead and avoid surprises.

Hand and heart icon

Use your HRA, HSA, or FSA

Take advantage of tax savings on qualified health care expenses.

Dollar sign icon

About your bill

Learn how to read your bill, understand what you owe, and make a payment.

Folder icon


Get to know common health care terms related to your deductible plan.

 Health plan basics

How does a deductible plan work?

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.*

How much will my visit cost?

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.

What is my copay or coinsurance?
Your copay or coinsurance depends on many factors, including your plan details, how much you’ve already paid for care, and the type of care you receive. To learn about your plan’s copay or coinsurance details, sign in to
I paid when I checked in for my appointment. Why did I get a bill?

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
Why did I get a bill after a preventive care visit?

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 to estimate your costs for services.

You've got options

Get advice icon

Shop our plans

Compare all our health plan options, get a quote, and apply online.

Shop plans

Email icon

Get care

Explore the many ways you can get care in person or on the go.

Find care

Cellphone icon

Contact us

Have questions about your health plan or care options? Give us a call.

Call us


© 2019 Kaiser Permanente

*Your copay experience may vary by region. Check your Evidence of Coverage for more details.