Education Center
Co-pays, deductibles & what you'll owe
Plain-language money terms, and how we keep your cost low.
Key takeaways
- A deductible is what you pay before coverage starts (it resets each year).
- Coinsurance is your share after the deductible — often 20% on Part B.
- A secondary/supplemental plan can cover that 20%; we bill it for you.
Deductible
The amount you pay out of pocket before Medicare or your plan starts paying its share. Medicare Part B has an annual deductible that resets each year.
Coinsurance & co-pay
After the deductible, Medicare Part B typically pays 80% of the approved amount and you're responsible for the remaining 20% — your coinsurance. Commercial plans sometimes use a flat co-pay instead.
Secondary / supplemental insurance
If you have a secondary or supplemental (Medigap) plan, we bill it for that 20% — which often leaves little to nothing out of pocket.
No surprises
We estimate your cost before delivery and explain exactly what (if anything) you'll owe.
This page is general information, not medical advice. Talk to your healthcare provider about your specific situation. Medicare coverage depends on medical necessity and documentation and is not guaranteed.