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Not who you asked, but YES the "deductible" is in addition to the monthly premiums.
In my case, I have to pay out $6,750 before insurance pays much of anything. I have already paid over $8,000 this year JUST IN PREMIUMS. All my expensive insurance has paid is the cost of two Covid-19 tests and a small amount on an ultrasound (about $235 total). And guess what? In January, the deductible goes back to zero and the $6,750 starts all over again.
It's highway robbery, IMO. For many of us, it's hard to afford to go to the doctor and pay your premium in the same month.
Wow, I had no idea health insurance is this expensive. I'm really sorry that the costs are so high.