What is coinsurance, and how do I handle it?

For a number of JHMB health plan participants, “coinsurance” may be an unfamiliar term.

Defined simply, “coinsurance” refers to splitting the cost of a covered item with your health plan. For example, the FUSD’s Standard Plan covers in-network care with a 90/10 coinsurance, which means the plan pays 90 percent while the plan participant remains responsible for 10 percent up until the participant reaches their out-of-pocket maximum.

In some cases, it’s possible for a supplemental or secondary insurance coverage to pay the coinsurance amount. If you have supplemental insurance or secondary coverage elsewhere, be sure to check with them to see if your JHMB plan coinsurance can be paid through your secondary coverage.

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