Is a deductible considered uninsured medical?

The court order reads that, “The husband currently maintains health insurance for the minor child and he shall continue to do so. The parties agree that they shall each be responsible for one-half (1/2) of payment of any uninsured medical, dental, orthodontics, optometry, pharmaceutical, physiological, or like expenses for the minor child, with the exception of regular co-pays, those shall be the responsibility of the wife”.

Asked on January 14, 2013 under Family Law, Alabama


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

Yes, the deductible would typically be considered "uninsured medical," since there is no insurance coverage for the amount of the deductible--insurance coverage kicks in only after the deductible has been satisfied. Therefore, until the deductible has been satisfied, the is effectively no insurance.

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