How much will M need to pay out-of-pocket before insurance starts covering the claim of $2,200 with a $200 deductible?

In health insurance, the deductible is the amount that a policyholder must pay out-of-pocket before the insurance provider begins to cover any of the expenses. In this scenario, M has a deductible of $200. This means that M must first pay this amount from their own funds before the insurance starts to pay for covered expenses.

Once M pays the $200 deductible, the remaining amount of the claim, which is $2,200, will then be processed according to the terms of the insurance policy. Typically, after the deductible is met, the insurance would cover a percentage of the remaining costs, but this specific question focuses solely on how much needs to be paid out-of-pocket before any insurance coverage applies.

Thus, the payment required from M before the insurance begins to take effect is indeed $200, which aligns with the correct choice.