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For example, if a policyholder's plan has a $3,000 deductible and he spends $2,000 in out-of-pocket costs that year, his out-of-pocket expenses go back to $0 on January 1. Lockhart, TX 78644 . Skip to the content Call: (512) 376-5711 Steven Funk: Allstate Insurance, Lockhart. 3150 Rogers Rd, 110, Wake Forest, NC 27587.