Out-of-Network Coinsurance
The percentage you pay of the allowed amount for covered health care services to providers who do not contract with your health insurance or plan. Typically 40 - 50%.
HMO and EPO plans do not include out-of-network coverage. Meaning you may need to pay all.
PPO and POS plans include out-of-network coverage.
Out-of-network coinsurance usually costs you more than in-network coinsurance.
