The amount you pay in a calendar year before your health plan begins to pay. For instance, if your deductible is $2,000, you must pay that amount out-of-pocket for covered health services before your insurer begins paying your health care costs.
IST to EST Conversion. Time zone conversion tool that allows you to find the time difference between IST and EST. Time Difference between IST and EST is 9 Hours 30 Minutes. IST-Indian Standard Time, the time zone used in India. EST-Eastern Standard Time(USA), the time zone used in United States- New York.
EST is the Eastern standard time and is 5 hours behind the GMT. EDT vs EST. EDT and EST are parts of the Eastern Time Zone that is observed in 17 states of the country lying in the eastern region. In the northern parts of this time zone, clocks are turned back by an hour during spring to save daylight.