All of the following are examples of cost sharing in a health insurance policy EXCEPT?

Cost sharing in a health insurance policy refers to the various ways that insured individuals share the cost of their healthcare with their insurer. This typically includes mechanisms that require the insured to pay a portion of their healthcare costs out of pocket.

Copayments, deductibles, and coinsurance are all examples of cost sharing. Copayments are fixed amounts that an insured person pays for specific services, like doctor visits or prescriptions. Deductibles are the amounts that must be paid out of pocket before insurance begins to cover costs. Coinsurance refers to a percentage of costs that the insured is responsible for after the deductible has been met.

Coordination, on the other hand, does not represent a form of cost sharing. Instead, it pertains to how benefits are coordinated between multiple insurance policies or insurers when a person is covered by more than one plan. Coordination ensures that the total amount paid does not exceed the overall healthcare costs while also clarifying which insurance plan will pay what portion of a claim. This distinction makes coordination an administrative function rather than a direct financial responsibility shared with the insured, identifying it as the exception in this context.