diff --git a/src/layouts/payment-method/payment-method.spec.js b/src/layouts/payment-method/payment-method.spec.js
index 3e526b84..acfaeafe 100644
--- a/src/layouts/payment-method/payment-method.spec.js
+++ b/src/layouts/payment-method/payment-method.spec.js
@@ -184,9 +184,10 @@ describe('payment-method.vue', () => {
             // Assert
             expect(result).toBeTruthy();
         });
-        test('returns false when coverageStatus is verified', () => {
+        test('returns false when coverageStatus is verified and deductibleTotal > 0', () => {
             // Arrange
             store.order.insuranceCoverage.coverageStatus = coverageStatuses.VERIFIED;
+            store.order.currentDeductible = 34.99;
             const wrapper = setupMocks({}, store, mixin);
 
             // Act
@@ -195,6 +196,18 @@ describe('payment-method.vue', () => {
             // Assert
             expect(result).toBeFalsy();
         });
+        test('returns true when coverageStatus is verified and deductibleTotal = 0', () => {
+            // Arrange
+            store.order.insuranceCoverage.coverageStatus = coverageStatuses.VERIFIED;
+            store.order.currentDeductible = 0;
+            const wrapper = setupMocks({}, store, mixin);
+
+            // Act
+            const result = wrapper.vm.isPayInAdvanceDisabled;
+
+            // Assert
+            expect(result).toBeTruthy();
+        });
         test('returns true when pia not enabled', () => {
             // Arrange
             mixin = {
diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index 164c6bbe..7dee7636 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -187,8 +187,9 @@ export default {
         isPayInAdvanceDisabled() {
             const piaExperience = this.getSettingValue(experimentSettings.ISS_DISPLAY_PAY_IN_ADVANCE);
             const isEnabled = piaExperience === 'true';
+            const isDeductibleTotalEqualToZero = useMainStore().order.currentDeductible === 0;
 
-            return !isEnabled || useMainStore().isUnverified;
+            return !isEnabled || useMainStore().isUnverified || (useMainStore().isDeductible && isDeductibleTotalEqualToZero);
         },
         paymentMethod() {
             return this.paymentMethodInternalModel;
@@ -242,11 +243,8 @@ export default {
                 && providerLocation.zipCode
             );
 
-            const isMobile =
-                serviceLocation.appointmentType
-                    === AppointmentTypeStrings.MOBILE
-                || serviceLocation.appointmentType
-                    === AppointmentTypeStrings.MOBILE_NOT_ITAC_AND_NOT_NOCOMP;
+            const isMobile = serviceLocation.appointmentType === AppointmentTypeStrings.MOBILE
+                || serviceLocation.appointmentType === AppointmentTypeStrings.MOBILE_NOT_ITAC_AND_NOT_NOCOMP;
             const serviceLocationReqs =
                 (isMobile && mobileReqs) || (!isMobile && dropOffInshopReqs);
 
@@ -262,8 +260,7 @@ export default {
             );
 
             // Customer
-            const { firstName, lastName, emailAddress } =
-                useMainStore().order.customer;
+            const { firstName, lastName, emailAddress } = useMainStore().order.customer;
             const customerReqs = !!(firstName && lastName && emailAddress);
 
             // Contact Info