For example, you might have to pay a 70% coinsurance rate for out-of-network care, but only 10% coinsurance for in-network care. 4000, and she pays 10% of that, or $400. She has to pay for the first $1000 (because of the deductible), and she also has 10% coinsurance, which means she has to pay for 10% of her care between the deductible and the out-of-pocket maximum. This is why health insurance companies generally want you to get care "in-network"-it means they don’t have to pay out as much money.

These are just fancy designations for health insurance companies that mostly just indicate how they work with respect to networks. The "network" for an insurance plan is basically the list of healthcare providers (e.g. doctors, hospitals, etc.) that the insurance company has specifically negotiated payment rates with. Prescription medication is often covered, but certain medications (e.g. new, expensive, or obscure ones) often are not.

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Take a look at some other hot sports cars on the way in the rest of the gallery. It may take wrecking lots of cars and crash test dummies, but the information gained from automotive crash tests means you and your loved ones may survive an automobile accident with little or no injury.