I have an Anthem plan with a $6500 deductible. I was recently on my bike when someone opened their car door. I went flying and ended up in an ambulance and an ER visit. If it wasn’t for David explaining how this worked I never would have been able to afford my $6500 deductible amount. My accident plan reimbursed me all of my expenses $7500 so my deductible was totally covered, plus I had over $1000 dollars left over for my own use. By the way these plans are very affordable.