What is the deductible on insurance?

i just got insurance for 110 for my employer for health dental and life benefits and there says a 500 deductible has to be received before benefits is released? what does this mean... Can anyone explain how this works out,
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You pay $110 each month for your insurance. For the $500 deductible, it means the insurance doesn't kick in until AFTER the first $500 in bills have been submitted. If your doctor visit was $250, then that's half your deductible. You need to submit it, because it shows the insurance company you're halfway to the deductible. In case you didn't notice, it's not very hard to get $500 in medical bills. This is a YEARLY deductible, I'm assuming, so after a couple doctor bills (with tests, bloodwork, whatever) you'll likely be over your deductible - even if there's 'nothing wrong'. One trip to the emergency room, and you'll be glad you had it. Heaven forbid you break your leg walking to your car - the health insurance is what covers it.
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