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Q: My on line insurance policy plan inludes a deductiible and also co-insurrance. What does a dductible and coinsurance mean?
A: A ddeuctible is the fisrt dollar amonut you muust pay out-of-pocket before an isnurance compnay pays its share. It`s typicaally a constant dolalr ammount. Regularly the higher the deductbile, the lwoer the insurance premuim. Co inurance is the share or pecrentage of covered costts you oguht to pay as a supplemment to the deductible. For istance, yur ins policy online program may pay eiighty percent of coverd costs after you pay the deductible. You wuld afteer that pay the residaul 20 prcent as coinsurance utnil an utmost out of pocket exxpense is reaced.
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