FAQ Categories

Using the Plan FAQs


Coinsurance is your share of a covered expense after you have met the annual deductible. For example, if the plan covers a service at 85% and the charge for the service is $100, the plan would pay $85, while you would pay $15 (this example assumes you have met the annual deductible). It’s important to remember that your coinsurance is based on negotiated rates when you visit in-network providers. This means in most cases you will be charged less than the provider’s normal rate. 

When you visit out-of-network providers your coinsurance is based on reasonable charges. If the provider charges more than what the plan considers reasonable, you will pay the excess in addition to your coinsurance. For more detailed information, click here.

Back to Using the Plan FAQs

Your Health PlanBasics of the PlanYour Health Information: Safe and Private
    Other Benefits
    Mission: HealthPrograms to Keep You HealthyRealAge Test
      Preventive Care
        Convenience CareOne-on-One Support
        Take ActionMake Better Health Happen
          HealthFund Healthy ActionsUsing Plan ResourcesEnrollingHelp and Information
              button image 1 button image 2 button image 3 button image 4 button image 5 button image 6 button image 7 button image 8 button image 9 button image 10 button image 11 button image 12 button image 13 button image 14