Coinsurance
In plain English
The percentage of costs you pay for a covered medical service after you've met your deductible. For example, if your coinsurance is 20%, you pay 20% of the allowed amount and your insurance pays 80%.
Real-world example
You have a $1,000 procedure after meeting your deductible. Your plan has 20% coinsurance. You pay $200 (20%) and insurance pays $800 (80%). This continues until you hit your out-of-pocket maximum.
Why this matters for your bill
Coinsurance can add up quickly for expensive procedures. A 20% coinsurance on a $50,000 surgery is $10,000 out of your pocket (unless you hit your out-of-pocket maximum first).
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