You and the Fund share your healthcare expenses. Coinsurance is:

  • The amount that the Plan pays of your eligible expenses after you have paid your deductible, and
  • Listed in the Schedule of Benefits as a percentage of your eligible expenses, after the deductible.

When you use a Blue Cross Blue Shield Center of Excellence facility to receive transplant benefits, the Plan’s coinsurance provisions do not apply to your transplant expenses. The coinsurance provisions also do not apply to Hospice benefits.