Your percentage share of a covered cost after the deductible.
Coinsurance is the portion of a covered service you pay after meeting your deductible — commonly 20%, with the insurer paying the rest. Unlike a flat copay, it scales with the cost of care.
“After your deductible, you pay 20% coinsurance.”
Upload your bill or EOB and Main AI checks it line by line, flagging where a charge or term like this may not be right.
Analyze my document free →Twenty percent of a big hospital bill is real money. Coinsurance is based on the plan’s allowed amount, not the sticker price, and it stops once you reach your out-of-pocket maximum. If a bill charges coinsurance on more than the allowed amount, that is worth disputing.
See this in your own document: run a free analysis — findings quote the exact language.
“Allowed amount $1,000; plan paid $800; patient coinsurance $200.”
Coinsurance should be a percentage of the allowed amount — here, 20% of $1,000. If your bill computes it off a higher number, compare it against your EOB.