If a beneficiary loses Medicaid eligibility, which cost-sharing components might apply under the plan?

• A. Deductibles
• B. Copayments
• C. Coinsurance
• D. All of the above

Answer: (D)

When Medicaid eligibility ends, you’re subject to the plan’s standard cost-sharing rules, which can include all different ways plans collect costs. A deductible is the amount you pay before the plan begins to pay. Copayments are fixed amounts you pay for specific services or visits. Coinsurance is the percentage of costs you pay after you’ve met the deductible. Plans can require one, two, or all three of these cost-sharing components, depending on the service and the plan design. So it’s possible to encounter deductibles, copayments, and coinsurance under the plan, either separately or together, after losing Medicaid eligibility.