Insured  -  For example: the father’s employer provides insurance for him, his wife and their children.  The father is
the insured”.  His wife and their children are covered persons, sometimes also called dependents. In common
terminology, they “have insurance” or “are insured”, but they are not “
the insured” from the point of view of the
insurance company.  In other words: the patient is not always the same as “
the insured”.

Copayment:  The amount that your insurance company requires you to pay at the time you see the doctor.  You
may have to pay a copayment for bloodwork or laboratory (pathology) services, too.  Its amount is usually indicated
on your insurance card but the amount may not be correct.  For instance, if you are looking at your insurance card
from last year it may not show the current copayment.

Coinsurance:  A percentage amount due for a medical service (sometimes in addition to the copayment).

Deductible:  The amount above which your insurance company will start paying for medical services.  In addition to
the general medical deductible, some insurance companies have a separate deductible for procedures done in the
office.  Some insurance companies call certain procedures “surgeries” (e.g., treatment of warts with chemicals or
liquid nitrogen, injections into the skin or in the muscle), contrary to common terminology. There may be separate
deductibles for laboratory tests (including testing of biopsy specimens) and prescription medications.


Whereas we make all effort that this information is correct, because of the fast-changing world of insurance there
may be omissions and reinterpretations for which we cannot take any responsibility or accept any liability.
8500 Bluffstone Cove, Ste. A-101
Austin, TX 78759
Phone:  (512) 328 - 2102
ZOLTAN TRIZNA, MD, PhD
Dermatology and Dermatological Surgery