Keyword Analysis & Research: copayment deductible coinsurance


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Frequently Asked Questions

Is copay better than coinsurance?

The difference between copay and coinsurance is their function. As we already discussed, copays are a means to deter people from filing petty insurance claims. Coinsurance, however, serves to incentivize beneficiaries to insure their assets to their total value.

Does coinsurance count toward deductible?

The deductible is fixed, but coinsurance is variable. Your deductible is a fixed amount, but your coinsurance is a variable amount. If you have a $1,000 deductible, it’s still $1,000 no matter how big the bill is. You know when you enroll in a health plan exactly how much your deductible will be.


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