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What is coinsurance?

Coinsurance is when you pay a fixed percentage of the cost of medical care after the deductible is met. For example, a health plan might pay 80% of th...

Coinsurance is when you pay a fixed percentage of the cost of medical care after the deductible is met. For example, a health plan might pay 80% of the allowable charge, with you paying the remaining 20%. The amount paid by the insured person is called the coinsurance amount.

The coinsurance maximum is the maximum dollar amount for which you areresponsible in a calendar year. After that maximum is reached the plan will pay 100% of your allowable health expenses claims during the remainder of that year.

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