Most insurance policies have deductibles and co-pays.
A deductible is a certain amount of money you must pay before the insurance company starts to pay. For example, if you go to the emergency room for a broken leg and you have not been to the hospital under your current insurance plan, you must pay until you reach your deductible. Once you have paid that amount, your subsequent visits to the Hospital should be covered according to your policy. Often insurance companies require you pay a portion of every medical bill, a co-pay. Be sure you read and understand your policy.