Random personal health insurance question here So is it normal for insurance to not pay a $ of any charge until your deductible is met? I have insurance through my work on my own for the first time now, it is just my son and I on it. My wife is covered on her own. Well we had to take him to the emergency room earlier this month, and the bill just showed up on my insurance website and it says they paid $0 of it, and that I had to pay the entire balance. I did get the healthcare discount that they get of course, but still they aren't paying anything. And we have gotten several other doctor bills that they haven't paid a dime of. I am just a little confused on this, as I thought they paid a percentage as did I. Not me pay everything until my deductible is met.