What is Coinsurance? April 11, 2020 14:16 Updated Follow It is the shared percentage of loss between the insurance carriers and the insured. Does not include charges applied to a Deductible or a Copay. Example: 80/20 – 80% policy pay / 20% is insured pay Related articles What are the benefits for medical services, prescriptions, etc. that are covered by the plan? What is a Copayment (per treatment)? How do I confirm my coverage and coverage dates? How do I enroll? What is an Out-of-pocket Expense Limit?