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Q: My on line ins coverage program inculdes a deductble and co insurnace. What does a deductible and coinsurance mean?

A: A dductible is the intiial dollaar amount you oguht to pay out of pocket bfeore an insurance firm pys its pat. It is generally a flaat dollar amonut. Usually the higheer the deductible, the loewr the preium. Co insurane is the share or percenatge of covered csts you mst pay in additiion to the ddeuctible. For instance, your ins porgram miight pay 80% of covered expennses afetr you pay the deductibe. You would tehn pay the remainng 20% as co insruance until an umost out of pocket expnse is reaached.

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