The percent (for example, 20%) you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. In-network co-insurance usually costs you less than out-of-network co-insurance. […]

Care in a hospital that usually doesn’t require an overnight stay. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET

Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. An overnight stay for observation could be outpatient care. Back to Glossary Interested in a Free Benefits Consultation? LET’S […]

A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET

Health care services that your health insurance or plan doesn’t pay for or cover. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET

Ambulance services for an emergency medical condition. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET

An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET

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 […]

A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service. Back to Glossary […]

Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay co-insurance plus any deductibles you owe. For example, […]