No charges are reimbursed to the patient until the deductible has been met. Hospital visits are reimbursed at 80% and Lab visits are reimbursed at 70%. Doctor''s office visits are reimbursed at 90% for "Participating Physicians" or 50% for others. The question of whether the Doctor is a Particpating Physician is only applicable for Doctor''s office visits; it is not applicable for Hospital visits or Lab work.