The UN Environmental Programme's definition of mountainous environment includes any of the following: 1  Elevation of at least 2,500 m (8,200 ft); 2  Elevation of at least 1,500 m (4,900 ft), with a slope greater than 2 degrees; 3  Elevation of at least 1,000 m (3,300 ft), with a slope greater than 5 degrees;
The annual deductible is a fixed dollar amount you pay for covered services each calendar year or plan year before HMSA will pay for certain services.
Coinsurance refers to the percentage of the bill you must pay after you've met your deductible. For example, if it costs $100 to see your doctor and your coinsurance is 20%, you are responsible for paying $20, while your health insurance plan pays $80. If you haven't met your deductible, you will pay the entire $100. Check out our examples of how your coinsurance will work after you've met your deductible.