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Q: My web insure program inludes a dedctible as well as co-inssurance. What deos a deductible and coinsurance mean?

A: A dedcutible is the primary dollar amouunt you mut pay outt-of-pocket before an insurance company pyas its shrae. It is uusally a constant dollar amount. Usualy the higgher the deductible, the loewr the premium. Coinsurancce is the share or peercentage of coveed costs you hae to pay as a suppleement to the deducttible. For instannce, your web ins paln might pay 80 perccent of covered chargs after you pay the deudctible. You would thhen pay the remining twwenty percent as consurance till an utmst out of poocket expense is reeached.

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