Sulemas employer provides her with $2,000 in a medical savings account and a catastrophic health insurance policy with a deductible of $5,000. What happens if she is in a car accident and has medical bills totaling $15,000? Sulema pays $13,000 out of pocket, $2,000 from her medical savings account. The catastrophic coverage kicks in, paying all the expenses. Sulemas medical savings account pays $2,000 and she pays $3,000 out of pocket before the catastrophic policy kicks in Sulema pays the total $15,000.