For what it's worth, I've concluded that any health insurance co-share deductible (meaning what you have to pay out of pocket before the health insurance company starts paying anything) is accounted for in either of two ways, whichever is applicable: If you have an insurance plan that covers the Part B deductible, that deductible is included in the premium; If your insurance plan does NOT cover the Part B deductible, then that Part B deductible is covered by what you paid out of pocket.
An example of the latter is as follows: The (Medicare Part B) insurance deductible for 2022 is $233.00. Therefore, as you start the year off with doctor visits, prescriptions, etc, you are actually paying down that deductible out of pocket until you reach $233.00. Therefore, when you get your out-of-pocket total for the year, it includes the Part B deductible that you paid down.
So, the deductible is accounted for either in your plan premium or your total out-of-pocket. If anyone can explain this better or notices an error in this explanation, please feel free to comment. I hope this helps.
