Let's say that you need healthcare. Imagine that you've been in a serious accident. You've accumulated $50,000 in covered medical expenses.
A sample health insurance plan might offer:
In the example above, you would be responsible for the first $5,000 (your deductible).
After you pay your deductible of $5,000, you would be responsible for 20 percent coinsurance until you reach your out-of-pocket maximum of $6,000.
Your health insurance plan would pay the rest of the covered medical expenses (in this case, 80 percent).
After you reach your out-of-pocket maximum, you wouldn't have to pay anything for any additional covered medical expenses for the rest of the plan year.
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