does insurance deductible have to be paid before insurance will pay? how do you prove it?

Answer 1

Normally, after the work is done (let's say, for a car accident), insurance will send a check for the amount of the repairs less your deductible. So, if you had $1000 in covered repairs and a $500 deductible, they would send you (or the repair shop) a check for $500 (the difference).

Answer 2

The doctor or auto repair always sends in a claim to the insurance company. The insurance then subtracts the amount from the deductible that it is keeping track of. There is nothing for you to do. The doctor or auto repair will send you a bill for any amount the insurance company does not pay.

With a doctor he is paid directly. With an auto repair you receive a check to give them. In either case there is always a claim and the insurance will keep track.

If you have a $1000 deductible and $500 damage a claim is still filed to keep track of it.

Answer 3

Are you talking about health insurance or auto insurance?

Auto insurance - the company sends you a check for the estimate minus your deductible - it's understood that you pay the repair shop at time of service.

Health insurance - you are not to pay up front - the provider is supposed to bill the plan first and then the insurance tells the provider how much to bill you for. That's how that's tracked.

Answer 4

Your deductable is the amount that you must pay out of pocket within a benefit period, (usually 90 days), before your insurance will pick up the tab, except for medicare supplements, most of which are designed to actually cover co-pay and deductables by payments of premium.

Answer 5

Yes, it's the amount you pay, BEFORE the insurance kicks in.

You have to submit the invoice to the insurance company, they will "disallow" the first XX dollars, up to the deductible amount.