This term refers to the percentage of costs of a covered health care service for which you are responsible. For example, if your co-insurance is 20% and your providers submit a claim for $10,000, your portion will be $2,000 and your health plan will pay $8,000. Co-insurance, deductibles and co-pays make up the total costs you pay toward a claim.

Health plans details and vocabulary can be confusing for you and your ministry — which is why GuideStone created two resources designed to help bring clarity. Learn the key features of our plans on the comparison charts in Health Plans Made Simple and find common health plan vocabulary terms in Learning Your Health Plan’s Vocabulary Can Save You Money.