Coinsurance A percentage of an eligible expense that a member is required to pay out-of-pocket towards a covered health care service. The amount is determined by the member's benefit plan. Coordination of Benefits (COB) Coordination of Benefits (COB) refers to how we ensure members receive full benefits and prevent double payment for services when a member has coverage from two or more sources. The member's contract language explains the order for which entity has primary responsibility for payment and which entity has secondary responsibility for payment. Copayment A charge that a member incurs at the time of service for specific health care services. Deductible A required payment due by a member during a given time period before payment by their health plan begins.
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