Understanding Coinsurance and How It Works with Urgent Care

What is Coinsurance and How Does It Work?

Coinsurance is a term that refers to the amount of money you are responsible for paying for medical services after you have met your deductible. It is usually expressed as a percentage of the total cost of the service. For example, if you have a coinsurance rate of 20%, and the total cost of a medical service is $1,000, you will be responsible for paying $200 (20% of $1,000) while your insurance covers the remaining $800.

Types of Coinsurance

There are different types of coinsurance, including basic coinsurance and major medical coinsurance. Basic coinsurance means that you pay a fixed percentage of the cost of a medical service or procedure, while major medical coinsurance means that you pay a percentage of the cost of medical expenses after you have met your deductible.

How Coinsurance Works with Urgent Care

Coinsurance can have a significant impact on your out-of-pocket expenses for urgent care services. If you have a high coinsurance rate, you may end up paying a significant amount of money for urgent care services, even if you have already met your deductible.

Choosing an Affordable Urgent Care Center like Nao Medical

Choosing an affordable urgent care center like Nao Medical can help you save on coinsurance costs. We offer lower rates and payments compared to big chain urgent care centers. This means that your out-of-pocket expenses will be significantly lower, especially when you consider that the charges for visits to Big Chain Urgent Care Centers can range between $180-260 dollars. Nao Medical’s rates are much lower.

In addition, we offer high-quality care, personalized attention, and compassionate service to all our patients. Our experienced medical professionals are dedicated to providing prompt and efficient care, ensuring you receive the best possible treatment.

Other Ways to Save on Coinsurance

In addition to choosing an affordable urgent care center, there are other ways you can save on coinsurance costs, including:

  • Choosing generic medications instead of brand-name medications
  • Comparing prices for medical procedures and services
  • Asking for discounts or payment plans for medical bills
  • Using a health savings account (HSA) to save pre-tax dollars for medical expenses
  • Checking with your insurance provider to see if they offer copay assistance programs
  • Asking your doctor if there are alternative treatments that may be less expensive
  • Using a mail-order pharmacy for prescription medications
  • Seeking out free or low-cost community health clinics


Understanding coinsurance and how it works can help you make informed decisions about your medical care and save money on out-of-pocket expenses. Choosing an affordable urgent care center like Nao Medical can help you save on the total cost of care while still receiving high-quality care.

By taking advantage of these cost-saving measures and making informed decisions about your medical care, you can ensure that you’re getting the care you need while also staying within your budget. Contact Nao Medical today to schedule an appointment or walk in for urgent medical care services. We are here to help you get the care you need at an affordable price.

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Disclaimer: The information presented in this article is intended for general informational purposes only and should not be considered, construed or interpreted as legal or professional advice, guidance or opinion.

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