What does "covered" mean?

In health insurance, you might expect something that is "covered" will be paid for by the policy. This is not necessarily so.

You could, for example have an item like a diagnostic test, that is is covered, but is subject to your deductible. If you have not yet met your deductible the policy will have you paying for the test.

In such a case, your expense would count toward your deductible, and you should pay the allowed rate (or
allowance) if the provider is in the company's network. But, until you've met your deductible, the insurance company pays nothing.
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