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.
Time zone conversion tool that allows you to find the time difference between IST and EST. IST-Indian Standard Time, the time zone used in India. EST-Eastern Standard Time(USA), the time zone used in United States- New York. IST 09:11 AM, 08th April-2017, Saturday.
Eastern Standard Time (EST) is 5 hours behind Coordinated Universal Time (UTC) . This time zone is a standard time zone and is used in: North America, Caribbean, Central America.