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FormsNorth Dakota Insurance Department ND Gov

FormsNorth Dakota Insurance Department ND Gov

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so a lot of times we get questions on how insurance works so i'm going to give you an example and for this example we're going to say that your plan has a 10 copay a 500 deductible and 80 20 coinsurance and unfortunately you cut yourself you need to get stitches and go to the hospital when you get to the hospital you give the person behind the desk your id card and you pay your 10 copay up front they take you back get you fixed up a short time later you receive your hospital bill along with an explanations of benefits from your insurance company now on your explanations and benefits you can see that the total charge came to one thousand dollars and the hospital has subtracted your 10 copay then you are responsible for your 500 deductible and since that's been met for the calendar year your insurance will apply 80 payments and you're responsible for the other 20 percent so your total expenses for this hospital visit include your ten dollar copay your five

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