What you pay before your plan pays. The amount you have to pay, each year before your plan will pitch in for your care is called a deductible. If you have a $750 deductible, your plan won’t pay for any of your care until you have spent $750 out of your own pocket for things like doctor visits or X-rays. Any doctor you visit typically counts towards your deductible. For example, if you have a $1,000 deductible and haven’t spent any money out of pocket yet that year, and your visit with a doctor is $200, you can expect a bill for the full amount of the visit. In this scenario, once you’ve spent $1,000 that year, your insurance starts paying its share of the cost (subject to any co-pay or co-insurance).