Medicare Introduction Practice Test

When does coinsurance apply in Medicare?

After paying any deductible on that service, the beneficiary pays a percentage as coinsurance. Before any deductible, coinsurance is paid. Coinsurance is a fixed monthly payment. Coinsurance is paid only for private plans.

Correct Answer:

After paying any deductible on that service, the beneficiary pays a percentage as coinsurance.

Explanation:

Coinsurance in Medicare is the cost-sharing that kicks in after you’ve paid the deductible for that service. Once the deductible has been met, you’re responsible for a percentage of the covered costs as coinsurance (for Part B most commonly 20%, while Part A has per-day coinsurance after the hospital deductible for extended stays). It isn’t a fixed monthly payment, and it isn’t paid before the deductible or limited to private plans—coinsurance is the standard cost-sharing you pay after meeting the deductible for Medicare-covered services.

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