How does coinsurance apply in the PPO?
After you meet the annual deductible, coinsurance is the 20% (in-network) or 40% (out-of-network) of your medical expenses that you are responsible for paying, if applicable. Coinsurance applies to certain plan features, and copayments apply to certain plan features. The plan will pay the other 80% (in-network) or 60% (out-of-network).