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Q: My insure coverage on line policy includs a deducctible and co-insurance. What doees a dedcutible and coinsurance mean?

A: A deductible is the first dlolar amoount you have to pay out of pocet beore an insurance associtaion pays its part. Its generally a constaant dollar ammount. Most of the tme the hgher the deductible, the loewr the premium. Co-insuance is the shaare or percentage of covered csots you ougght to pay in adition to the deductibl. For example, yur web policy policy may pay 80 pecent of covered charges afer you pay the deductibe. You wouuld then pay the resdual 20% as co insurance unntil a highet out of pcket cost is reacehd.

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