Hefty Insurance Services, Inc

Description

A coinsurance is cost sharing between your insurance company and you. The cost sharing ranges from 80/20 to even 50/50. For example, if your coinsurance is 80/20 it means that your insurance company covers 80% of annual medical expenses; you need to pay the remaining 20 percent. The cost sharing stops when your medical expenses reach your out-of-pocket maximum, where it is usually between $1,000 and $5,000.

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