Your weekly payroll deduction is the price you pay to purchase coverage. The deductible amount is what you must incur before Anthem kicks in to pay the balance. Once the deductible limit has been satisfied, then you move into what is called Co-insurance.
Co-insurance is where Anthem is paying for 80% of your claims once the deductible is met. You are responsible for the remaining 20% until you reach the Maximum-Out-Of-Pocket (MOP) exposure limit. Once you've reached the MOP, then your claims are paid at 100% for the remainder of the calendar year.