In an insurance policy, the deductible is the amount that must be paid out-of-pocket before an insurer will pay any expenses. The deductible must be "met,” that is, paid by the insured, before the benefits of the policy can apply.  Therefore, you would have to pay the provider out-of-pocket before reimbursement begins.  If you have a question or are disputing the fact that you haven’t met your deductible, we recommend calling your insurance company.