Understanding Cost-Sharing: Deductibles, Copays, and Coinsurance

Health insurance costs aren’t just about monthly premiums. Deductibles, copays, and coinsurance quietly influence when people seek care, delay treatment, or face unexpected bills, especially for people managing multiple appointments.

Make sense of your out-of-pocket medical costs with these free resources.

Aging Care

Original Medicare Costs in 2026

This is a clear, plain-language breakdown of deductibles, copays, and coinsurance for Original Medicare. If you have a Medicare Advantage plan or a supplemental Medigap policy, check the policy and enroll in the online portal. The website will be on the insurance card you received in the mail. Log in to see what your out-of-pocket costs will be.

Pro tip: Create a log-in at medicare.gov for that same reason - you can see claims, explanations of benefits (EOBs), provider directories, and more.

Autoimmune Support

Autoimmune diseases often bring a considerable financial burden, as costs for lab work, imaging, and especially medications can quickly add up. To proactively manage your healthcare finances this year, it's crucial to be informed. The State Health Access Data Assistance Center (SHADAC) provides excellent resources for understanding the necessary terminology.

What Are Premiums, Deductibles, and Copays? Health Insurance Terminology | SHADAC

If you’re feeling unsure how to use your benefits, this is something we help clients walk through step by step. Book a Clarity Call with Amy for Autoimmune Support or with Audrey for Aging Care.

Note: We share free tools and resources we believe are genuinely helpful. There are no ads, sponsorships, or financial incentives involved.

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