Coinsurance is your share of the cost of a covered healthcare service after you reach your annual deductible. It’s usually calculated as a percent.
High Option: Coinsurance is the percentage of the Plan allowance you must pay for your care. Coinsurance does not begin until you have met your calendar-year deductible.
For example, you pay 40% of the Plan allowance for office visits to an out-of-network physician.
Consumer Driven Option: Coinsurance is the percentage of the Plan allowance you must pay for your care after you have used up your Personal Care Account (PCA) and paid your deductible.
Learn more about how health plans work by reading Deductibles, copays, and coinsurance: Understanding the out-of-pocket costs of health insurance.