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  • $100 Copay before deductible 40% Coinsurance after deductible
    Turns out the phrase "$100 Copay before deductible 40% Coinsurance after deductible" really doesn't make any sense It would have been more accurate if the insurance company had said, "$100 Copay for first visit 40% Coinsurance after deductible for successive visits " Should I see if they're hiring copy editors?
  • Is 0% coinsurance better than a lower deductible?
    Option B has a much higher deductible (per person $2400, family $4800) but 0% coinsurance and $0 copay (after deductible) on most services (but no cost to me at all for preventative expenses) I have read that a 0% coinsurance is essentially always the better option
  • What is the difference between fund and portfolio?
    I am new to the finance world, and I keep hearing fund and portfolio What is the meaning of these words and how are they related? Can someone please explain with examples? Is there any difference between them?
  • Who pays after deductible? Coinsurance not listed
    copay and coinsurance are different If you want to urgent care, it would cost $100 even before you've met your deductible If they sent you to the hospital, those charges would count toward your deductible (and you'd pay 20% coinsurance after that)
  • terminology - Is there a difference between Coinsurance and . . .
    When they say "20% coinsurance after deductible", this means that you have to pay the entire amount of all bills that this clause applies to until you reach the deductible, and after that you pay 20% and the insurance company pays 80% "100% coinsurance" means that the deductible is irrelevant, you always pay 100%
  • One of my stocks dropped 40% in 2 days, how should I mentally approach . . .
    I understand that there are already lots of questions regarding When should I sell? or Should I set a stop loss? For me, this question is not 100% about how to protect your money, but it's more of In extreme cases like this, how should I mentally prepare myself? I anticipate that there will be comments answers like "we can't give advice if we don't know the exact stock in topic" or somewhere
  • At 3% inflation rate, is $100 today worth $40 20 years ago?
    Inflation means that the prices of goods and services are increasing $40 is still $40 20 years later However, because prices have increased 3% per year in your example, you cannot buy as many goods and services with $40 today as you could 20 years ago





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