Coinsurance is another out-of-pocket expense that may be a part of your contract with your insurance company and is usually a percentage of the allowed charges (e.g., 20%). Your insurance card may specify your co-insurance obligation or you may check with your insurance company for your obligation under your policy. Mountainland Pediatrics will submit a claim to your insurance for all charges. After payment and/or notification from your insurance company, we will bill you for what the insurance company has determined is your coinsurance.