The amount you owe for health care services your health insurance or plan covers before
your health insurance or plan begins to pay.For example, if your deductible is $1000,
your plan won’t pay anything until you’ve met your $1000 deductible for covered health
care services subject to the deductible. The deductible may not apply to all services.
Your share of the costs of a covered healthcare service, calculated as a percent (for
example, 20%) of the allowed amount for the service. You pay coinsurance plus any
deductibles you owe. For example, if the health insurance or plan’s allowed amount for
an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20%
would be $20. The health insurance or plan pays the rest of the allowed amount.
A fixed amount (for example, $15) you pay for a covered health care service, usually when
you receive the service. The amount can varyby the type of covered health care service.