Health Insurance Spotlight: Common Terms

  • June 03, 2021
  • |Quartz
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Health Insurance Spotlight

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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