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(upbeat music) - [Narrator] Knowing how deductibles and co-insurance work will help you understand when your health insurance will start covering your health care expenses and how much theyll cover. Well give you an example. After Anna was diagnosed with depression, she scheduled a series of mental health visits with a therapist. Now shes trying to interpret a stack of medical bills and her explanation of benefits, commonly referred to as an EOB, in order to understand how much she will pay for her therapy visits before her insurance begins to pay. Heres how Annas plan works. Anna has a $1,000 deductible and then 20% co-insurance. Her deductible is the set amount shell pay for health care services before her health insurance begins to pay. Her co-insurance is her share of the cost of a healthcare service after shes paid her deductible. This means Anna will pay 100% of the cost of her therapy visits until her bills total $1,000. After Annas deductible is paid, shes now responsi