To add, Linda, is 1,000% correct. A health benefit may be covered and payable. but if you have a deductible to meet, the payment of your benefit is transferred to you via your deductible. Example:
Popeye has insurance with ABC Insurance. He as muskle repairs and wound repairs as a covered benefit. The repairs are payable at 100% of ABC insurance usual an customary allowable. He has a $2,000 deductible and a $25 copay. While visiting Olive Oyle, he gets into a fight with Bluto. he sustains damage to his left deltoid muscle and an open wound on his forehead. He is treated by Dr, Whimpy. The claim is sent to ABC Insurance for $1,000. ABC allows $1,000 and applies $975 to the deductible and $25 to the copay. ABC paid the full claim at 100% an required popeye to pay the copay and deductible. If Popeye has the same problem again, ABC will issue a check to Dr. Whimpy because to them, Popeye met his deductible but Popeye will still have to pay the $25 copay.
Your insurance company should have sent you an EOB as to how they processed the claim.
Now, lets say Popeye is covered for repairs and he has a $1000 deductible. Ony this time Popeye's policy says ABC pays 60% of their allowed amount. It says Popeye pays the 40% of the allowable and any amount above the allowable. What this means is Dr. Whipy charges $1,000. ABC allows $500. ABC pays $300 whih can also be applied to the deductible. Popeye pays The remaining $700. The service was covered and paid per the contract wih Popeye.