Ok I'm leaving my parents coverage in a few months and am scouting health insurance companies....thing is...I have no clue what they are talking about!!! The thing I am most confused about is the deductible...if a plan has a $1000 deductible does that mean for a normal doctors visit I first have to pay $1000? (ok please dont laugh at me, I have no clue) Or do I just pay a copay (it says $30 copay for doc visits) If I do just pay a copay then what is the $1000 for?? is that for hospital visits? Lol, I dont have $1000 bucks to go to the gyno! ;-) Somebody help me, I am going out of my mind!