Which term specifically matches the concept of the patient's responsibility for part of the charge after insurance applies?

Which term specifically matches the concept of the patient's responsibility for part of the charge after insurance applies?

• A. Cost sharing
• B. Benefit
• C. Coverage
• D. Co-insurance

Answer: (A)

The idea being tested is the portion of medical costs the patient must pay after the insurer has paid its share. This is called cost sharing. It covers the patient’s responsibility in several forms, including deductibles, copayments, and coinsurance. Co-insurance is a specific type of cost sharing expressed as a percentage of the allowed charge, but the question points to the general concept, so cost sharing is the best term. Benefits refer to what the plan pays or provides, and coverage describes what services are included; neither describes the patient’s share.

The idea being tested is the portion of medical costs the patient must pay after the insurer has paid its share. This is called cost sharing. It covers the patient’s responsibility in several forms, including deductibles, copayments, and coinsurance. Co-insurance is a specific type of cost sharing expressed as a percentage of the allowed charge, but the question points to the general concept, so cost sharing is the best term. Benefits refer to what the plan pays or provides, and coverage describes what services are included; neither describes the patient’s share.