Under the university-sponsored Medicare Advantage Base Plan, most covered services are not subject to an annual deductible or co-insurance. This means that for most covered services, you only will pay your share of the cost – generally a copay – when you receive services. For those covered services that do not have a co-payment assigned, you will only pay the applicable co-insurance for that service since there is no annual deductible. Here’s an example: Let’s say you need a walker on January 2, 2017, which is considered durable medical equipment and is subject to the $0 deductible and co-insurance. The walker costs $110. There is no annual deductible and your coinsurance for the walker is 20%. You would pay $22 or 20% of the $110. In this case, the plan would pay $88.