After the claim is submitted, the explanation of benefits states there is no payment due to deductible not met. The patient is billed for the amount due on the account and the patient calls to ask 'Why did I get a bill; I have insurance?' Which statement is best to use when explaining their responsibility to the patient?
1) The insurance company is responsible for paying the deductible amount.
2) The deductible is the amount the patient is responsible for paying before the insurance company starts covering the costs.
3) The deductible is the amount the patient has to pay after the insurance company pays their portion.
4) The deductible is the amount the patient has to pay after the insurance company pays their portion, and it is not covered by insurance.