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It means that the cost of medical care is paid completely by the insurance, with no contribution by the policyholder.
You may however have a deductible, which, in the case of health insurance, refers to the total amount per year you must pay yourself before insurance applies at all. Once that deductible has been paid, then all covered medical costs will be paid by the insurance company for the rest of the year, subject to any coinsurance. Coinsurance refers to the total percentage of the cost paid by you. If it is 0%, then you pay nothing.
Coinsurance is the percentage of covered medical expenses that you are required to pay after the deductible. Let’s say your health insurance plan has a 20%coinsurance requirement (excluding additional copays). … Some plans offer 0%coinsurance, meaning you’d have no coinsurance to pay.
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Coinsurance is the amount of the bill you are responsible for if your co insurance percentage is 10% and a bill is 100 dollars you will pay 10 dollars towards your bill. Because your part of a bill is a set percentage you coinsurance amount. It continues to apply even after all deductibles have been paid.
Some have a copay in addition to this as well.
Some companies are starting eliminate this from plans because it’s confusing for many people.
Some plans with coinsurance might have a slightly different structure it’s good to know what yours is.
Coinsurance seems to be a US term, referring to the amount of risk retained by the policyholder beyond the excess (deductible in the US).
0% implies no risk is retained
It means that once you reach your deductible, the insurance company pays 100% of the contracted rate for certain covered services. Covered services like physician visits and Rx generally involve a copayment whereas covered services like imaging tests and procedures generally involve coinsurance.
Often, the simplest way to compare plan costs is to look at all things with a $ next to them as copayments that will be due whether or not you have reached a deductible and all things with a % next to them as obligations due after you reach a deductible. The % items are usually the big ticket items.
Here’s an example. You have a PPO with a $3,000 deductible and 100% co-insurance. You undergo a coronary procedure that bills more than $20K. You would pay $3,000 (less any payments made toward the deductible in the calendar year) and the insurance would pay 100% of the contracted rate (usually less than the billed amount) for that covered service. Assuming the provider contracts with the insurance carrier, you will only pay your deductible amount. The insurance company will pay the contracted rate less the amount you pay (up to $3K).
The provider must contract with the insurance carrier (you must be “in network”) to get the full benefit of 0%/100% coinsurance. Usually, there is a separate coinsurance percentage for out of network providers. It is possible there is no payment at all for out of network providers. Elective procedures, distinct from services performed out of network, may not be paid at all.
0% coinsurance is rare and high (conservative for the insured) in today’s insurance market. It is less rare for HMO plans than PPO plans. A coinsurance amount of between 10 and 50% is common.
I recommend seeking advice from a professional for a complete understanding of how coinsurance works and applies to your situation.
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It means you are responsible for 0% of the out of pocket expenses after your deductible is met. If you had a 10% coinsirance, you would be responsible for 10% of the medical expenses after the deductible is met, until you reach the out of pocket maximum, not including copays and out of network expenses.
It means the insured does need to pay shared price of amount charged to insurance. For example: you need to buy a prescription drugs for USD 100 using insurance. If the policy say 10% coinsurance, you will need to pay USD 10, and the rest will be paid by insurance.
Not at all!!
Writing again because this review has been deleted from many web portal, FB, etc-
My brother was getting abdomen pain and he was vomiting. He took OPD treatment 3-5 days. The pain continued and he started vomiting as well. Then He informed to Religare and asked for admission. They send a confirmation email for admission.
After 3-5 days He hospitalized under doctor recommendation and we paid to the hospital. Then I raised a claim to the Religare- let me list out the problem with this –
(1) You have to send all the docs to the office(Delhi or nearby). Spend your more money.
(2) They took to process more than 2 months after raising many grievance calls.
(3) Worst customer services.
(4) finally, they reject the claim with the reason “ALL VITALS & INVESTIGATIONS ARE WITHIN NORMAL LIMIT, PATIENT CAN BE TREATED ON OPD BASIS HENCE ADMISSION NOT JUSTIFIED.
(5) I tried on twitter, rewritten the email with doctors later that penitent was needed hospitalization. Still, they reject.
What we have done –
(1) Took OPD treatment for 1-5 days
(2) Hospitalized for a few days
As per doctors suggestion, patient revisited to the doctors.
(4) Then we have raised a claim.
(5) They have asked for many documents and we have provided.
They have asked doctors hospitalize letter doctor have given.
(7) Raised for higher management and funny things higher management is also handled by the same person.
(8) Raised to multiple times to IRDA, internal companies people work on this.
(9) wasted 5-6 months on this then went to consumer court.
Careful while taking the policy It’s not a matter of paying policy amount. Think about your tough situation.
These people are doing blunders with the normal public. Beware of your closed one those who sell fake companies insurance for 100-200INR commissions. Even they are not sure about these conditions.
if you have time 2-3 year and more than 50+K money to fight the case against these fake companies then go for it.
Hope it helps.
PS: Check claim settlement ratio before choosing any companies.
I went through the same thing.
I know you don’t want to hear this and neither did I but I realized by myself what was going on. I’ve even gone as far as feeling spiritual as if God himself touched me on certain notes and runs. And then I listen back to it and it is nowhere near as impactful as when I sang it. At times it would be as you said, “horrible”. What I realized is that I was getting caught up in the moment too much and falling into the trap of loving my own voice.
- When you are singing you think it’s the greatest thing because it’s your voice. This is more psychological than anything.
I’m an engineer and I could give you a long winded explanation but what you are hearing is a false fuller resonance mainly coming from your bone conduction and head that makes it sound better than it is. That resonance is not projected to the outside world. What you record at a home studio with a $100 mic is probably what your voice really sounds like. If you can’t make it sound good there, chances are you will have trouble in a big studio, because expensive mics do one thing: they bring a focus to every detail and nuance. So going in the studio is like being put under a microscope where you can hear all your flaws. Now post production to cover that up is another story.
The solution is to record yourself at home and listen back so you can get used to how your voice sounds like recorded. Make sure you choose the right mic, that can make a difference because some mics are tailored to boost certain frequencies. There is a possibility a certain mic may not work with your voice.
But ultimately it’s what’s recorded that counts. I had to come to grips with the same thing early on.
Deductible = What you pay before the plan pays anything. In your case you don’t have one. (Well done).
20% Co- Insurance is the amount you pay of the negotiated fee from the hospital or provider.
Co-Payment = is a set fee to see a provider it normally goes towards your overall max out of pocket.
Maximum out of pocket= Is the Maximum you can pay in one year. Once you reach that you only have to pay the premium each month.
Depending on the plan. You may or may not have a deductible for your Rx. However it looks like you have a Silver plan with Cost Sharing Benefits. So that is unlikely.
It is very common for dogs to twitch while dreaming the below video is an example of perfectly normal healthy dream behaviour in a sleeping dog.
Trigger warning for the next video. It is horrible to watch. It shows a husky having a seizure. It limbs and jaws go into a rictus which is nothing like the previous video.
If you think your dog was mainly like video 1, then I would not worry. But if your dog was having rictus like behaviours as in video 2 then I would record and bring to a vet.