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In this video, Al Red Murr from the Maryland Insurance Administration discusses understanding your rights regarding insurance payments for medical services. He emphasizes the importance of knowing the claims process to ensure you receive proper coverage under your health care plan. Using a knee pain example, he outlines a scenario where a patient has a $1,000 deductible, with $750 already applied. After medical services and a prescription, either the medical provider or the pharmacy will file a claim with the insurance company, particularly since all providers are in-network. The insurance company processes these claims in the order received, highlighting essential steps in navigating insurance coverage effectively.