Deductibles Explained [Sharp Health Saver] 


In terms of insurance, a deductible is the amount of money you must pay in health care costs before benefits like copay, coinsurance, and out-of-pocket maximum can be utilized.   

Think of a deductible as a pre-requisite to using your insurance or as something you have to reach before having access to your benefits.  

Why do I have a Deductible? 

Deductibles are usually paired with more affordable health plans in order to offer cheaper rates to customers who might not need that much in the way of medical care.  

With SDPEBA, the only health care plan to feature a deductible is the Sharp Health Saver.

Additional Benefits 

That being said, you still do have access to the extra benefits Sharp offers even if you haven’t paid your deductible yet. Meaning, you can still use the Better Health app, Sharp Connect, and also free preventative care. 

Sharp’s Preventative Care means enrolled members pay $0 for... 

  • Wellness exams for children and adults 
  • Immunizations and related screenings 
  • Screenings for... 
  • Breast cancer 
  • Cervical Cancer 
  • Colorectal Cancer 
  • Cholesterol 
  • Depression 
  • Diabetes 
  • Hypertension 
  • Obesity 
  • Prostate Cancer 
  • Sexually Transmitted Infections (STI’s) 
  • Tuberculosis 
  • And more 



For more on your Sharp Healthcare Plan, click here! 

Didn’t answer your question? Click here to head to our main support page. There you can search for more answers or pose a question to our staff. 

You can also email us at or call us at 888-315-8027! 


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