Understanding medical / health insurance quote?
I recently got a quote for a health insurnace, but I am not sure I have a proper understanding what they mean... IN NETWORK: Deductible Ind / Fam - 2500/5000 Co-Insurance - 80% Maximum Out-Of-Pocket - 5000/10000 then some co-pays for Office, Labs, Specialists (I'm OK with that) Hospital 2500/5000 In/Out Net So, the QUESTION IS: If I am taken to hospital for 10 days (say, I am Ind, not Fam; and the bill, say, is 18000): - I first pay Deductible 2500; - then I pay 80% of the amount up to 5000 Max Out-of-Pocket; - and then Insurance covers the remaining part of the bill? How it works if the Hospital part In Net looks like 500D/5D/admit after Ded - who pays if it is over 5 days and how much? 100% or Co-Insurance part? Thank you for your help, as I got confused even after reading all the helps on insurance web-sites.

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Indiana health insurance for my unborn child?
I am having a baby in May and I am trying to find health insurance quotes but everywhere I look, they want more information than I have (again the baby isn't even born yet). How can I find health insurance quotes for my baby? If it matters, I live in Indiana.

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What is the difference between insurance and coinsurance?
I'm on a website looking up health insurance quotes and it also has a column listed for something called coinsurance. What is coinsurance? Here's the site I'm looking at: http://www.lowcosthealthins.com/quote/plans.jsp

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