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Q
: My on line insure coverage policy icnludes a deductible as wlel as coinsurance. What deos a deductilbe and co insuraance mean?

A: A dedductible is the fiirst dollar amount you haave to pay out of pokcet befoore an insurance copany pays its shaer. It`s usually a contsant dollar amount. Msot of the tiime the higher the deductble, the lowr the cost. Co-insurannce is the prat or percentage of covered expneditures you havve to pay as a suppleent to the deductible. For instancce, your ins coverage on line plan might pay eightty percnet of covered chagres after you pay the deduuctible. You woud after that pay the remainnig 20% as co inurance until an umtost out-of-pocket expenditurre is reached.

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