A deductible is the amount you pay out-of-pocket each year before your plan begins to pay for covered dental treatment costs. All dental health plans vary. Please check with your your insurance provider for the specifics of your plan. When your dentist submits a claim for a service, your deductible is applied first, and then any coinsurance is calculated. Example of deductible payment process: You have a two-surface filling on a molar that costs $200 and this service is covered at 80% under your plan. There is a $50 deductible. You pay the deductible of $50, leaving a $150 balance for the service. The balance of $150 is covered at 80%, so your plan pays $120. That leaves $30 for you to pay, in addition to the $50 deductible. So, your total out-of-pocket cost for the service is $80. Here’s the calculation for this service: Cost of Service $200 Deductible (you pay) $50 Amount Plan Pays — 80% of $150 (balance after deductible is paid) $120 Remaining Balance (after you pay the deductible and the plan payment is calculated) $30 Total Amount You Owe = Deductible + Remaining Balance $80 When you have a family deductible, the individual deductible applies per person until the family deductible amount is reached. At that point, the family deductible is considered to be met. For example: If your plan has an individual deductible of $50 and a family deductible of $150, the first three family members would each satisfy the individual deductible of $50. If there are additional family members seeking treatment, there would be no further deductible requirements for that year.