What does health insurance deductible services mean? | What is a deductible in health insurance?
It can be confusing at first. Think of your deductible as your stake in your healthcare. The company wants you to pay the first $1,000 of your expenses each year. For that, your monthly cost will be lower than it would if you didn't have a stake in your healthcare. 

So whenever you go to the hospital, in for surgery, to have major medical tests done, like MRI's and CATSCAN's you will be responsible for the first $1,000 of the bills. Then your benefits will kick in and your insurance company will start paying. 

Most insurance companies will pay 80% of the rest of the bill. Some pay 100%, some 90%, some 70%, some less. You are responsible for the remaining %. However, you do have a stop loss typically, or a maximum amount you would pay if your portion hit a certain dollar amount. A common stop loss (or out of pocket maximum) in Utah is $3,000. So once your deducitible and your percentage (may bne 20%) reach $3,000 for the year, the plan typically covers you at 100% until the lifetime maximum (in Utah most are $2,000,000). 

Office visits and prescriptions may be your responsibility, but most of the time your health plan will pay for office visits and prescriptions. All they ask is that you pay your co-pay, or a set dollar amount for each visit or prescription. It can work both ways. The way to figure it out is to ask your insurance company if the deductible is waived for office visits and prescriptions. If they are, you will most likely just have to pay a copay for those things.