Crohn’s & Colitis Glossary

Claim

A request for payment submitted to your health insurance plan for services you received.

Coinsurance

Your share of the costs of certain medical care or medications, calculated as a percentage of the total cost. For example, if the health insurance planallowed amount for an office visit is $100 and you've met your deductible, your coinsurance payment of 20 percent would be $20. The health plan pays the rest of the cost.

Copay Accumulator

A feature or program within a health insurance plan where the manufacturer's payments are no longer applied toward the patient's deductible or out-of-pocket expenses. The manufacturer copay card/coupon funds prescriptions until the maximum value on the coupon/card is reached. After the value is reached, your out of pocket-costs begin counting toward their annual deductible and out-of-pocket maximum.

Copay Maximizer

A feature or program within a health insurance plan where the manufacturer's payments are no longer applied toward the patient’s deductible and out-of-pocket maximum. The maximum value of the manufacturer's coupon/card is applied evenly throughout the benefit year.

Copayment

A fixed amount you pay for certain medical care or medications. The amount can vary by the type of health care service.