In health insurance, the phrase "100 percent after deductible" means that your insurer pays 100 percent of health care costs after you make your deductible payment. Some health policies have coinsurance, which means that you pay a portion of post-deductible charges. An 80-20 coinsurance plan, for instance, means that you pay 20 percent and the provider pays 80 percent of post-deductible costs.
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Copayments, coinsurance and deductibles are the three common out-of-pocket expenses you have with a health insurance plan. The deductible is the amount you pay before benefits kick in. On a $10,000 health care bill with a $500 deductible and zero coinsurance, you would pay the first $500 and the insurer pays 100 percent of the remaining $9,500.
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