Coinsurance

Coinsurance

UMP CDHP covers most medical services based on a percentage of the allowed amount that preferred providers agree to accept as payment in full.

Coinsurance is the percentage of the allowed amount you pay when the plan pays less than 100 percent of the allowed amount.

Preferred providers You pay 15 percent of the allowed amount.
Out-of-network providers You pay 40 percent of the allowed amount, plus any amount billed by the out-of-network provider that is above the allowed amount.*

* See Preferred vs. out-of-network costs for an example of how this works.

Coinsurance also applies to prescription drugs. How much you pay depends on whether the prescription drug is generic, preferred, or nonpreferred.