What is a Medical deductiable mean?

Yes, the deductible is what you pay out of pocket before your plan starts paying. A copay is what you pay to a doctor when you see them in their office. Coinsurance is your 10 or 20% of covered expenses after you have met your deductible. Also, check out what your "Max out of pocket" is. There is a maximum you should have to pay in a plan year.