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The dollar amount that you pay each year before your health insurance begins to pay for doctor and hospital visits that are out-of-network.
Not all health insurance plans require a deductible. Typically HMO plans do not require a deductible whereas PPO and Indemnity plans do.
Insurance companies reserve the right to change the terms of a policy after properly notifying you. Please note that definitions of certain terms may vary across insurance companies.
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