The percent you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. Typically 20 - 30%.
PPO and POS plans include both in-network and out-of-network coverage. HMO and EPO plans include in-network coverage but no out-of-network coverage.
In-network coinsurance usually costs less than out-of-network coinsurance.
See: Out-of-Network Coinsurance