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The Blue Sky of BenefitsFinally, something good! Co-insurance This is usually a percentage amount that is the Co-payments insureds responsibility. A common co-insurance split is 80/20. This means that the insurance The co-payment is a fixed amount that company will pay 80% of the procedure and the the insured is required to pay at the time insured is required to pay the other 20%. of service. It is usually required for basic doctor visits and when purchasing 100% prescription medications. 90/10 $10/ $45 / $55 80/20 $10/ $35 / $45 Emergencies and Specialists Office Visits Prescriptions Endocrinologist, oral surgery, broken wrist, chiropractor, x-rays Pharmaceutical Deductible $250/pp ? Individual DeductibleDrowning in a Sea of Deductiblesamount of money that the insured must pay before anybenefits from the health insurance policy can be used. Family Deductible

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