May 1, 2023 ... However, changes that have a positive impact for you — such as coverage for new medications or cost savings — may occur at any time. You can log ...If your doctor visit costs $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20 out of pocket. Your insurance would then pay the rest of the allowed amount ($80). Keep in mind, your coinsurance benefit doesn’t apply until after you’ve reached your deductible. Until then, you’ll need to pay 100% of the cost.

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