How does health insurance work?

and a family doctor? like if i went to a checkup insurance pays for me what does that mean
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Here's how it works: You and/or your employer pays the insurance company a certain amount of money each month or pay period. The insurance company collects these funds from everyone they cover. If you have to go to the doctor for a check-up, the insurance company will pay the bill. To control costs, insurance companies make you responsible for paying the first part of your annual bill. This amount is known as your deductible. If you have a $500 deductible, for example, and your check-up was your first visit of the year, then you might have pay for the check-up. Whatever you paid would be subtracted from the deductible. Once all the deductible has been paid (by you), the insurance company takes over. The insurance company may not pay 100% of each claim, either. You might have to pay part of the bill—known as the co-pay. To read more go to: http://www.healthinsurancewiz.com
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