Which statement best describes a plan with no deductible?

Which statement best describes a plan with no deductible?

• A. There is no deductible
• B. The plan never pays
• C. It is only for emergency services
• D. You must pay full price until meeting deductible

Answer: (A)

A plan with no deductible means you don’t have to pay a deductible before benefits start. In health insurance, the deductible is the amount you must pay out of pocket for covered services before the insurer begins to pay. If there’s no deductible, covered services can be paid from the start, though you may still owe copayments or coinsurance for certain services and you’ll be subject to the plan’s other cost-sharing rules (like the out-of-pocket maximum). So the statement that there is no deductible best describes such a plan. The other options don’t fit: a plan that never pays would mean no benefits at all, no deductible doesn’t imply emergency-only coverage, and paying full price until meeting a deductible is the opposite of having no deductible.

A plan with no deductible means you don’t have to pay a deductible before benefits start. In health insurance, the deductible is the amount you must pay out of pocket for covered services before the insurer begins to pay. If there’s no deductible, covered services can be paid from the start, though you may still owe copayments or coinsurance for certain services and you’ll be subject to the plan’s other cost-sharing rules (like the out-of-pocket maximum).

So the statement that there is no deductible best describes such a plan. The other options don’t fit: a plan that never pays would mean no benefits at all, no deductible doesn’t imply emergency-only coverage, and paying full price until meeting a deductible is the opposite of having no deductible.