The dollar amount you pay towards certain covered services each calendar year before your insurance plan starts paying any of the cost, or before the co-insurance kicks in. Deductibles are not applicable to services requiring a co-payment (you do not have to satisfy your Deductible before making a co-payment). Co-payments and co-insurance amounts do not go towards your deductible. Refer to your health plan’s Schedule of Benefits to see what deductible you have and the benefits to which it applies.