In each newsletter, we’ll spotlight health insurance terms or phrases to help you better understand how your plan works. In this issue, we explain three common but sometimes confusing terms.

Copayment: The fixed amount you pay for
a covered health care service. Example: a
$20 copay means that when you go to the
doctor and receive a bill that shows a cost
of $130, you will only pay the fixed amount
of $20. Quartz will pay the rest.

Deductible: A predetermined amount of
money a member must pay before Quartz
makes a payment toward covered services.
Deductibles accumulate during your
benefit period (usually a year) and reset at
the end of the benefit period.

Coinsurance: The percentage of the
charge for covered services you pay after
you’ve met the deductible. Example: If an
office visit is $100, and your coinsurance
is 20%, you’d pay 20% of $100, or $20.
Quartz pays the rest. If you haven’t met
your deductible, you pay the full amount
of $100.

Learn the specifics of your plan in your
Summary of Benefits. You can also see
your health insurance in your secure
MyChart account. Log in or learn more at

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