Zero Deductible Plan (No Annual Deductible)

A zero deductible plan begins reimbursing eligible expenses immediately without requiring members to pay a minimum out-of-pocket amount first. This feature simplifies claims and provides faster access to benefits but usually comes with higher premiums.

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Zero deductible plans are appealing for individuals who anticipate frequent claims or prefer predictable healthcare costs. They are most common in higher-tier individual plans or comprehensive group packages.

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Example:

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If your plan has no deductible and covers 80 percent of eligible costs, a $100 physiotherapy session would immediately trigger a $80 reimbursement without any initial threshold.

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What to Watch For:

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Even without a deductible, coinsurance, per-visit limits, and annual maximums still apply. Confirm whether each benefit category shares this zero-deductible feature.