Are there expenses that don't count toward my deductible?
Yes. Some of your expenses will not count toward your deductible. Copayments and coinsurance do not count towards deductible. For example, any penalty you may pay because you failed to preauthorize treatment through your health care company will not count. For out-of-network care, amounts your care provider charges above the plan’s allowable amount for a given service also will not count toward your deductible.