FAQ

What is a co-insurance?

Co-insurance is an insurance policy provision under which the insurer and the insured share costs incurred after the deductible is met. It is similar to a co-pay, but instead of being a set amount per visit, a coinsurance is a percentage of the approved charges. Your insurance company should indicate the amount of co-insurance due on the explanation of benefits when they process a claim.  

Why did I receive a bill? I already paid my co-pay at my doctor's office.

You may have paid your co-pay at the doctor's office for the doctor's services. However, this statement is referring to the product you received at your doctor's office. Depending on the product and your insurance plan, your insurance is telling us that you owe a certain percentage of the amount of the product.

What is a deductible?

In an insurance policy, the deductible is the amount that must be paid out-of-pocket before an insurer will pay any expenses. The deductible must be "met," that is, paid by the insured, before the benefits of the policy can apply. Therefore, you would have to pay the provider out-of-pocket before reimbursement begins. If you have a question or are disputing the fact that you have not met your deductible, we recommend calling your insurance company.