Frequently Asked Questions

A deductible is an amount that you're responsible for in the event of a claim. This is the amount you pay out-of-pocket, and insurance covers the remainder.

When speaking with your agent to set up your policy, make sure you discuss with her/him about your personal financial situation, and the insurance coverage you're looking for.

Coinsurance is what you pay as your share toward a claim. Coinsurance is a form of cost-sharing, or splitting the cost of a service or medication between the insurance company and consumer. You typically pay coinsurance after meeting your annual deductible.