On covered medical expenses that are subject to the deductible, once your deductible is satisfied, most policies have a co-sharing or coinsurance percentage. Most people recognize the term 80/20 plan, this is coinsurance; the insurance company pays the first percentage (80% in this example) and the patient pays the second percentage (20% in this example). Most medical insurance policies also have a coinsurance maximum. The coinsurance maximum is the maximum amount of coinsurance the patient is responsible to pay during that calendar year. Once the coinsurance maximum is met, usually additional covered medical expenses are paid by the insurance company at 100% for the remainder of the calendar year. One important note – make sure you always stay in-network since in-network covered medical expenses have a negotiated lower price and most medical policies have a higher coinsurance maximum for out-of-network covered medical expenses. These examples are basic summaries of terms used in insurance policies. A written summary of benefits with terms, benefits and exclusions and limitations are available for each medical insurance policy. A copy will be provided upon request.

Employer sponsored group policies usually have more medical services subject to the copayment than individual medical policies. Call and we can talk about the specific differences.

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what your situation, we can help. If you are self employed or not a part of a large company we can help you find affordable health insurance that you can count on. If you own a small business we can help you find affordable group health insurance that will help you keep quality employees. We understand that your budget is important, that is why we don't search for cheap health insurance, we will find the right plan at the right price for you. This site gives you access to many health insurance plans offered by the best health insurance companies in America. AMG provides a free service to consumers and does not add any fees to the carrier's rates and fees. No one else can offer a lower premium for the same insurance plans. We are your advocate to quality insurance. Plans also available in Colorado and Michigan.         fm                Links