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Co-Insurance

A Useful Guide to the Benefits of Co-Insurance and its Impact on Premium

by Skills.Money
in Blog, Insurance
Reading Time: 3 mins read
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Co-insurance is a cost-sharing practice between the health insurance company and the policyholder. It’s calculated as a percentage of medical expenses.  Once the policyholder reaches their annual deductible, they’ll start paying co-insurance. After that, the health insurer pays the remaining costs.

The insurer may apply different co-insurance percentages to each health service. So you might pay for additional doctor visits, lab work, prescription drugs, and other needs.

For example, the co-insurance for a primary care doctor in your network might be 20%, but the co-insurance for a primary care doctor outside your network might be 75%.

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