Does the coinsurance on health insurance apply to the total medical charge, or the discounted charge after the health insurance disallowance?

Answer 1

Co-insurance is a form of cost-sharing or splitting the cost of service or medication between the insurance company and consumer. It typically kicks in after consumer meets their deductible applies to the total medical charge.

For example: 20% co-insurance. Let's say the medical charge was $100. 20% co-insurance means consumer/patient is responsible for the 20% of $100 and the 80% will be paid by their insurance company.

Co-insurance can apply to office visit, special procedures and medications.