Certified Billing And Coding Specialist CBCS-B Practice Test

Who bears the responsibility for paying the deductible?

The insurer The employer The patient The provider

Correct Answer:

The patient

Explanation:

A deductible is the amount the insured must pay out of pocket before the health plan starts paying benefits. Because of that, the patient bears the responsibility for paying the deductible. After the deductible is met, the insurer contributes according to the policy terms, often with coinsurance or copays until the out-of-pocket maximum is reached. The employer funds the plan but does not directly pay the deductible for individual services in the usual billing flow, and the provider typically collects the deductible at the point of service to apply toward the patient’s responsibility.

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