Deductible Health Plans FAQs
Deductible Health Plans FAQs
How does a deductible health plan work?
Your deductible is the total amount you will pay annually for certain covered medical and prescription services and supplies before WHA will cover expenses.
Deductibles and Copayments
Copayments are typically smaller dollar amounts or percentages. Some plans will always have you pay a copayment for a service while other plans only require one once you reach your annual deductible.
Once your deductible and copayment costs reach your annual out-of-pocket (or OOP) maximum, you are done paying for expenses. WHA will cover 100 percent of your covered services for the remainder of the calendar year.
Here's a quick look at two different deductible plans:
| Deductible Plan A | Deductible Plan B | |
| Deductible | $2,000 for an individual | $5,000 for an individual |
| Out of Pocket Maximum | $6,250 for an individual | $6,250 for an individual |
| Preventive Care | covered in full | covered in full |
| Office Visit | $45 visit | $60 per visit after the deductible is met |
Article Updated on: October 14, 2025