Yes I think that's what I mean. We have a $5k individual deductible. After a deductible is met, we pay 20% coinsurance. Before the deductible we pay 100%. Maki

Yes I think that's what I mean. We have a $5k individual deductible. After a deductible is met, we pay 20% coinsurance. Before the deductible we pay 100%. Making up some numbers, my wife had already spent $3k on the OB-GYN which counts toward the deductible. The hospital billed us $7500. So $2k we pay to finish meeting the deductible and then 20% of the remaining $5500 is $1500, so our portion of the hospital bill is $3500. If the insurance company knew we'd get a discount on our portion of the final bill, that calculation for how much of the bill we'd only have to pay 20% of would be different.