Understanding Your Insurance



This is the amount you must pay for certain covered services before your health insurance begins to pay.

  • Example: If your deductible is $2,000, your insurance will not pay for any service to which the deductible applies until you have paid $2,000. Once you have satisfied your deductible, then your insurance company will begin paying your claims.



The percentage of the bill you pay for a covered service.

  • Example: If you have a 20% coinsurance, which applies to certain services, then you will owe 20% of your insurance plan’s contracted rate. If the allowed amount or contracted rate for a service is $100, you owe $20. The insurance company will pay the rest.



The set dollar amount you pay for a covered product or service.

  • Example: If you have a $20 copay for primary care physician visits and $40 copay for specialist visits, then you will have to pay $20 every time you see your PCP and $40 every time you see a specialist.


All cost share amounts will be collected at the time of service. Your insurance plan is a contract between you and your insurance company. Please familiarize yourself with your plan’s specific cost share responsibilities to know when and where they apply.

North Jersey Cardiovascular Consultants, LLC

  • Bloomfield Office - 329 Belleville Ave., Bloomfield, NJ 07003 Phone: 973-748-3800 Fax: 973-748-3540
  • Caldwell Office - 526 Bloomfield Ave, Suite 202, Caldwell, NJ 07006 Phone: 973-364-1444 Fax: 973-748-3540

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