The Deductible is not required to be paid in full at the start of coverage. As you use medical services and pay the full member price for them, that amount will be applied toward the deductible. For example, you would pay around $75 for a regular doctor visit. That payment would go toward your deductible. You do not have to pay $1500 the first time you go to see your doctor. However, if your visit includes more serious care such as surgery, hospitalization or an ambulance ride, your out-of-pocket expenses would likely reach the $1500 deductible. Often, you will not reach the deductible in a calendar year if you are healthy and do not use the medical services very often. Visit KaiserQuotes.com for more information.