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What is the difference between a deductible, co-pay, and co-insurance?

    • Deductible: The amount you pay for healthcare services before your insurance starts to share the costs.
    • Co-pay: A fixed fee you pay for specific services, like doctor visits or prescriptions, at the time of care.
    • Co-insurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of a hospital bill, while your insurance pays 80%).
    • We’ll break down these costs in detail when you choose a plan, so you know exactly what to expect.