A deductible may be assessed to the individual by the insurance plan on evaluations and/or treatments. Services that apply to the individual’s deductible are collected at the time of service from the patient, until the deductible is satisfied. Contractual rates set by. the insurance network determine the dollar amount the patient should expect to pay. In network deductibles are traditionally less than an out of network deductibles and they are not typically combined. Check with your insurance carrier to find out the details of your plan.