As a deductible must be "met," or paid before the insurance will start to pay on claims, claims submitted to the insurance are sent to the insurance company and processed as if the insurance were to pay them, but are the patient's responsibility to pay. This amount is "applied to the deductible."
The deductible is ‘met’ when the contracted amount of the deductible (i.e. $1000) has been paid by the member for medical claims.
Part of the "Understanding Insurance" series.