USA medical policies have lots of different terminology, and we understand this can sometimes be a little confusing! A couple of these terms important to know are deductible & co-insurance! Deductible A deductible is the first part of any claims costs that you are responsible for before the insurance policy starts to pay. Co-Insurance Co-insurance is a percentage of remaining costs (after the deductible) that you are responsible for. We offer 4 different policies for medical