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Why Choose Eligo Health?
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At Eligo Health, we believe choosing insurance should feel personal, not overwhelming. Our mission is to guide you with clarity, honesty, and real support so you can feel confident in every choice you make. We are here to help you find the coverage that fits, with no pressure and no confusion.
Frequently Asked Questions
A deductible is the amount you pay out-of-pocket for covered health care services before your insurance plan starts to pay. For example, if you have a $2,000 deductible, you pay the first $2,000 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services, and your insurance company pays the rest.
A co-pay (or copayment) is a fixed amount you pay for a covered health care service after you've paid your deductible. Co-pays can vary for different services within the same plan, like prescription drugs, doctor visits, and specialist visits. For example, your plan might require a $25 co-pay for a standard doctor visit and a $50 co-pay for a specialist.
Co-insurance is your share of the costs of a covered health care service, calculated as a percentage of the allowed amount for the service. You start paying co-insurance after you've paid your plan's deductible. For example, if the allowed amount for an office visit is $100 and you've met your deductible, your 20% co-insurance payment would be $20. The insurance company pays the remaining 80%.