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How Health Plans Work
There are many moving parts to a health plan. Here you can learn the basics—from enrollment periods and explanations of benefits, to plan costs and prior authorization.
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VIDEO
What’s Coinsurance and How Does It Work?
Watch this short video to learn how coinsurance, copays, and deductibles work in an individual health care plan. (Length: 00:01:46)
VIDEO
Your Individual Deductible
This short video explains how an individual health insurance plan works and what it may cover. (Length: 00:01:44)
This information is for educational purposes only. It is not medical advice. Always consult your doctor for appropriate examinations, treatment, testing, and care recommendations.
What’s Coinsurance and How Does It Work?
Your Individual Deductible
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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.