How Much Will I Pay?

• Deductible
• Coinsurance
• How Do I Pay My Claims?
• Out-of-Pocket Limit
• Health Savings Account

Network vs. Non-network Costs

• Using Network Providers
• Using Non-network Providers
• Hospital-Based Providers

What Is Coinsurance?

Coinsurance refers to the percentage of the plan's allowed amount that you pay for most medical services and for prescription drugs, when the plan pays less than 100%.

How Much Coinsurance Do I Pay?

After you've paid your deductible, you pay the following percentages for most medical services:

• For network providers: 15% of the allowed amount.
• For non-network providers: 40% of the allowed amount. Note: Most non-network providers charge more than the allowed amount. You will be responsible for paying any amount a non-network provider bills that is above the allowed amount, in addition to your 40% coinsurance.

For prescription drug coverage, see "What Will I Pay for Prescription Drugs under UMP CDHP?"