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.
However, some states follow CST as well as CDT (Central Daylight Time) in the summer to save daylight. â¢ When CDT is followed in the summer, the time is GMT â 0500. Then, the difference between CDT and IST is 10.30 hours. Images Courtesy: IST and CST via Wikicommons (Public Domain)