Frequently Asked Questions

A deductible is the amount you pay each year for most eligible medical services or medications before your health plan begins to share in the cost of covered services.

You would owe at each appointment the cost of services until the deductible has been met.

Then you either have a copay or coinsurance.

A copay (or copayment) is a flat fee that you pay on the spot each time you go to your medical provider or therapist.

Coinsurance is a percentage of the medical cost you pay after your deductible has been met. Coinsurance is a way of saying that you and your insurance each pay a share of eligible costs that add up to 100 percent.

For example, if your coinsurance is 20 percent, you pay 20 percent of the cost of your covered medical bills.