Q I didn't have surgery, why do I have a surgical deductible to pay?
The world of insurance uses the term "surgical" deductible for much more than what you would consider surgery. To simplify, anything that is not an office visit is often considered "surgical" to your insurance company. Common examples include durable medical equipment (or DME-for example braces, night splints or walking boots), x-rays, strappings or orthotics. This is separate from your standard deductible.