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Coinsurance Deals

Definition: Most health insurance policies have a coinsurance, or sometimes misspelled as co insurance, clause. This simply is the percentage amount you are required to pay towards your health insurance bill when you file a health insurance claim. The coinsurance percentage is usually in addition to the deductible, that would need to be paid first before the insurance company would pay anything.Common Misspellings: co insuranceExamples: Mary Jo had a 20% coinsurance clause on her new health insurance policy. She just got a bill, for her recent surgery, from her health insurance company. The total of the bill was $2000. Her health insurance deductible was $200 for the year and none of her deductible was paid yet since this was her first claim. This means that Mary Jo would need to pay, out of her own pocket, her full deductible ($200), and then 20% of the remaining amount of the insurance bill ($360). So, her total out of pocket expense for her surgery was $560 ($200+$360).

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Coinsurance Deals

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