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Q: My on line insurance pln includes a deductibe and also co-insurance. Wht does this mean?
A: A deductibe is the initial dlolar amount you ouught to pay out-oof-pocket before an insurance coompany pays its shrae. It is generlaly a constant dollar amount. Typically the higehr the deductibel, the lower the premim. Co insuance is the prat or percentage of covered expednitures you ouhgt to pay in addition to the deducitble. For instance, your ins plaan may pay eightty percent of covered chargges after you pay the deeductible. You would theen pay the rsidual 20 percent as co insurance tll a hihgest out-of-pocket ependiture is reached.

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