What is co-insurance and when will it apply?
After the deductible has been met, you and your insurance company each pay a percentage of the cost of your treatment. Your percentage is called co-insurance. A typical PPO plan pays 90% in-network and 70% out-of-networkýyou pay 10% of the in-network charges and 30% of the out-of-network charges. This continues until the co-insurance limit has been reached, at which point the insurance company usually pays 100% of allowable, covered charges. You can calculate your out-of-pocket limit by applying your co-insurance percentage to the co-insurance limit.
