Question:

My Explanation of Benefits form says I have coinsurance for the dental work I just had done. I don't have any other insurance.

Answer:

Coinsurance doesn’t mean you have other insurance. Coinsurance refers to a cost-sharing feature of your plan. The amount that you need to pay is listed on your Benefit Summary, which also describes the services that are subject to coinsurance. Different categories of benefits may have different percentages of coverage. For example, you may have 100% coverage for preventive services but only 80% coverage for fillings.