Under the Expatriate Medical Plan, the annual coinsurance maximum is the maximum amount you must pay in coinsurance in a plan year toward eligible expenses. The annual coinsurance maximum does not include the deductible and there are separate coinsurance maximums for out-of-network charges incurred in the U.S. The annual coinsurance maximum functions as your built-in "safety net" and protects you from having to pay high expenses in the event of a serious medical situation. Once the coinsurance maximum is reached, the Expatriate Medical Plan will pay 100% of negotiated fees for covered in-network care and 100% of reasonable and customary charges for covered services received out-of-network in the U.S. and outside the U.S. for the result of the year. Amounts you pay toward your deductible, copayment amounts, and amounts above reasonable and customary charges do not count towards your coinsurance maximum.

The following table shows the coinsurance maximums for the different coverage levels.