Can someone explain this to me like I am 5 years old ? Do I have to pay the $5000 deductible? Or do I have to pay at least up to $5000 before they start covering my expenses? Meaning I have to pay every month until I reached $5000? Please translate !

Can someone explain this to me like I am 5 years old ? Do I have to pay the $5000 deductible? Or do I have to pay at least up to $5000 before they start covering my expenses? Meaning I have to pay every month until I reached $5000? Please translate ! submitted by /u/Hugz4Druqz
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