Side would get higher and when you take a like a teeter-totter kind of a thing okay so think of a teeter-totter on a playground or a scale a deductible and a premium are tied together they kind of renaissance dental depend on each other almost.
So a deductible is an amount that a patient has to pay out of pocket and it's a set amount that you have to pay every single year before the insurance will kick in one hundred percent so for example um if I have an insurance with a five-hundred-dollar deductible.
Then that means any tests or any office visits or blood work anything that I get done I have to pay the first bucks and then the insurance will cover everything else one hundred percent for the rest of the year so here's where the teeter-totter comes in the higher.
That the deductible is the lower the premium so if i have a two-thousand-dollar deductible then my monthly payment is going to be lower if i have a lower deductible my monthly payment is going to be higher of renaissance dental so for example when i was between jobs.
I took out an aetna PPO plan by myself so that meant I was going to be paying the premium myself not a job and and i had to pay all the out-of-pocket expenses so because my monthly budget was you know X I had to take out an insurance plan.
That had a low premium so I had a really high deductible but because luckily I'm healthy I don't usually have to go for bunches of tests and doctors and hospitals and things like that so odds of me having to pay.
That entire deductible that year we're pretty slim okay so that's what deductible and premium are and they depend on each other now we'll go back to the middle.