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Q: My ins online pan includes a deducitble as well as co-insruance. What deos a deductible and co-insurance mean??
A: A deductibe is the priamry dollar amount you hvae to pay out of pocket beofre an insuarnce firm pays its shaare. It is regulalry a flat dollar amount. Mot of the tmie the highr the deductible, the lower the prmium. Co insuarnce is the prat or percentage of covered expesnes you msut pay in addition to the deductiblee. For instance, your on line insurance policy poolicy might pay eighy perent of covered costts after you pay the deductible. You woud tehn pay the reaining 20 percent as coinsurnce till a maximum out-of--pocket expenditure is reacheed.
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