[et_pb_section fb_built=”1″ _builder_version=”4.2.2″ custom_padding=”0px|||||”][et_pb_row _builder_version=”4.2.2″ custom_padding=”0px|||||”][et_pb_column type=”4_4″ _builder_version=”4.2.2″][et_pb_text _builder_version=”4.2.2″ hover_enabled=”0″]<\/p>\n
Coinsurance, a term found in every health insurance policy, is your out-of-pocket expense for a covered medical or health care cost after the deductible has been paid on your health care plan.<\/p>\n
The insurance company generally pays more of the coinsurance, expressed as a percentage of the cost of service. Common divisions are 70\/30, or 80\/20, like the A&M Care Plan.<\/p>\n
So if your medical bill is $1,400 and you have a $400 deductible, the portion of the bill to which coinsurance will apply is $1,000. For a plan with 20% coinsurance, you would pay:<\/p>\n
$400 deductible + $200 (20% of remaining $1,000) = $600<\/em><\/p>\n Copayments do not go toward your deductible. In our A&M Care plan, most office visits have a copay that you pay without having to first meet your deductible.\u00a0 However, if you have in-office surgery that costs more than $500, expect to pay 20% of the cost after the deductible is met.<\/p>\n [\/et_pb_text][et_pb_post_nav _builder_version=”4.2.2″][\/et_pb_post_nav][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" [et_pb_section fb_built=”1″ _builder_version=”4.2.2″ custom_padding=”0px|||||”][et_pb_row _builder_version=”4.2.2″ custom_padding=”0px|||||”][et_pb_column type=”4_4″ _builder_version=”4.2.2″][et_pb_text _builder_version=”4.2.2″ hover_enabled=”0″] Coinsurance, a term found in every health insurance policy, is your out-of-pocket expense for a covered medical or health care cost after the deductible has been paid on your health care plan. The insurance company generally pays more of the coinsurance, expressed as a percentage…<\/p>\n","protected":false},"author":313,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[5,6],"tags":[],"class_list":["post-17260","post","type-post","status-publish","format-standard","hentry","category-benefits-news","category-medical"],"taxonomy_info":{"category":[{"value":5,"label":"Benefits"},{"value":6,"label":"Medical"}]},"featured_image_src_large":false,"author_info":{"display_name":"","author_link":"https:\/\/www.tamus.edu\/business\/author\/"},"comment_info":0,"category_info":[{"term_id":5,"name":"Benefits","slug":"benefits-news","term_group":0,"term_taxonomy_id":18,"taxonomy":"category","description":"","parent":0,"count":82,"filter":"raw","cat_ID":5,"category_count":82,"category_description":"","cat_name":"Benefits","category_nicename":"benefits-news","category_parent":0},{"term_id":6,"name":"Medical","slug":"medical","term_group":0,"term_taxonomy_id":19,"taxonomy":"category","description":"","parent":5,"count":35,"filter":"raw","cat_ID":6,"category_count":35,"category_description":"","cat_name":"Medical","category_nicename":"medical","category_parent":5}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/posts\/17260","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/users\/313"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/comments?post=17260"}],"version-history":[{"count":0,"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/posts\/17260\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/media?parent=17260"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/categories?post=17260"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tamus.edu\/business\/wp-json\/wp\/v2\/tags?post=17260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}