These proteins are called lipoproteins. 1  Low-density lipoprotein. High levels of low-density lipoprotein (LDL) can eventually build up within the walls of your blood vessels and narrow the passageways. 2  High-density lipoprotein. This type of lipoprotein is often referred to as good cholesterol.
How deductibles work. Health insurance deductibles are the amount of money you have to pay toward your health care before your insurance starts covering costs. Deductibles can range from a few hundred to thousands of dollars, depending on the policy. Some plans (typically HMOs) donât have a deductible at all. Generally, once you meet your deductible for the year your insurance will require you to pay coinsurance, which is another form of cost-sharing, until you
The deductible resets yearly. Coinsurance: Coinsurance is a percentage of a medical charge that you pay, with the rest paid by your health insurance plan, after your deductible has been met. For example, if you have a 20% coinsurance, you pay 20% of each medical bill, and your health insurance will cover 80%. Out-of-pocket maximum: The most you could have to pay in one year, out of pocket, for your health care before your insurance covers 100% of the bill.