Every commercial insurer rate these hospitals posted, as a dollar amount and as a multiple of the hospital's own Medicare base rate.
Open in the explorerAll markets
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Providence Holy Cross Medical Center median $10,395 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,475 | 0.6× | 2 |
| Cigna | $10,336 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $12,477 | 1.3× | 2 |
| Providence Cedars Sinai Tarzana Medical Center median $10,504 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,311 | 0.6× | 2 |
| Cigna | $10,353 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,886 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,504 | 1.1× | 2 |
| Providence Saint Joseph Medical Ctr median $10,701 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,318 | 0.6× | 2 |
| Cigna | $10,302 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,755 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 2 |
| UnitedHealthcare | $10,701 | 1.1× | 2 |
| Providence Little Co Of Mary Med Ctr San Pedro median $10,761 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,704 | 0.6× | 3 |
| Cigna | $20,358 | 2.2× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,761 | 1.2× | 2 |
| Providence Little Company Of Mary Med Ctr Torrance median $10,781 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,718 | 0.6× | 3 |
| Cigna | $20,383 | 2.2× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,781 | 1.2× | 2 |
| Usc Verdugo Hills Hospital median $10,949 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $6,866 | 0.7× | 2 |
| Blue Shield of California | $7,273 | 0.8× | 1 |
| Cigna | $11,186 | 1.2× | 1 |
| Facey Medical Group | $11,199 | 1.2× | 1 |
| Heritage Provider Network | $14,372 | 1.5× | 1 |
| UnitedHealthcare | $10,712 | 1.1× | 1 |
| Providence St. Jude Medical Center median $11,484 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,564 | 1.2× | 1 |
| Blue Shield of California | $9,792 | 1.0× | 2 |
| Elevance/Anthem/Empire | $14,733 | 1.6× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $11,403 | 1.2× | 2 |
| Providence Mission Hospital median $11,970 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,790 | 1.3× | 1 |
| Blue Shield of California | $12,151 | 1.3× | 2 |
| Elevance/Anthem/Empire | $13,675 | 1.5× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $10,791 | 1.2× | 2 |
| Providence St. Joseph Hospital median $12,142 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,564 | 1.2× | 1 |
| Blue Shield of California | $11,651 | 1.2× | 2 |
| Elevance/Anthem/Empire | $14,078 | 1.5× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $12,633 | 1.4× | 2 |
| Ucla West Valley Medical Center median $13,065 · local Medicare $9,333 · file 2026-03-29 | |||
| Centivo | $21,784 | 2.3× | 1 |
| Elevance/Anthem/Empire | $13,065 | 1.4× | 2 |
| LA Care Commercial | $11,028 | 1.2× | 2 |
| Saint John's Health Center median $13,460 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $7,618 | 0.8× | 3 |
| Cigna | $15,861 | 1.7× | 1 |
| Elevance/Anthem/Empire | $11,144 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $13,460 | 1.4× | 2 |
| Keck Hospital Of Usc median $13,532 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $19,165 | 2.1× | 1 |
| Axminster Medical Group | $11,199 | 1.2× | 1 |
| Blue Shield of California | $13,113 | 1.4× | 2 |
| Cigna | $18,272 | 2.0× | 1 |
| Health Care Support | $11,666 | 1.2× | 1 |
| Kaiser Permanente | $26,598 | 2.8× | 1 |
| Riverside Physician Network | $13,532 | 1.4× | 1 |
| Seoul Medical Group | $12,133 | 1.3× | 1 |
| UnitedHealthcare | $23,377 | 2.5× | 2 |
| Memorialcare Orange Coast Medical Center median $16,125 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $8,360 | 0.9× | 5 |
| Centivo | $20,999 | 2.2× | 1 |
| Cigna | $12,830 | 1.4× | 3 |
| Elevance/Anthem/Empire | $16,125 | 1.7× | 4 |
| Healthcare Partners | $24,218 | 2.6× | 2 |
| Healthnet | $13,839 | 1.5× | 2 |
| Monarch Health Plan | $18,525 | 2.0× | 4 |
| Select Health | $12,599 | 1.3× | 1 |
| UnitedHealthcare | $19,341 | 2.1× | 3 |
| Hoag Memorial Hospital Presbyterian median $16,137 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $14,621 | 1.6× | 1 |
| Blue Shield of California | $7,941 | 0.9× | 2 |
| Elevance/Anthem/Empire | $17,653 | 1.9× | 1 |
| UnitedHealthcare | $22,919 | 2.5× | 2 |
| Santa Monica - Ucla Med Ctr & Orthopaedic Hospital median $17,456 · local Medicare $9,333 · file 2026-03-29 | |||
| Centivo | $22,398 | 2.4× | 1 |
| Elevance/Anthem/Empire | $10,494 | 1.1× | 2 |
| Health Plan of Nevada Commercial | $25,998 | 2.8× | 1 |
| LA Care Covered CA | $12,514 | 1.3× | 1 |
| Memorialcare Long Beach Medical Center median $19,580 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $10,150 | 1.1× | 5 |
| Centivo | $20,999 | 2.2× | 1 |
| Cigna | $9,968 | 1.1× | 3 |
| Elevance/Anthem/Empire | $18,008 | 1.9× | 4 |
| HealthNet | $19,770 | 2.1× | 1 |
| Healthcare Partners | $24,218 | 2.6× | 2 |
| Monarch Health Plan | $20,159 | 2.2× | 4 |
| UnitedHealthcare | $19,391 | 2.1× | 3 |
| Cedars-Sinai Medical Center median $28,632 · local Medicare $9,333 · file 2025-11-26 | |||
| Blue Shield of California | $25,517 | 2.7× | 4 |
| Elevance/Anthem/Empire | $36,188 | 3.9× | 2 |
| UnitedHealthcare | $28,632 | 3.1× | 3 |
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Providence Holy Cross Medical Center median $10,395 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,475 | 0.6× | 2 |
| Cigna | $10,336 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $12,477 | 1.3× | 2 |
| Providence Cedars Sinai Tarzana Medical Center median $10,504 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,311 | 0.6× | 2 |
| Cigna | $10,353 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,886 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,504 | 1.1× | 2 |
| Providence Saint Joseph Medical Ctr median $10,701 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,318 | 0.6× | 2 |
| Cigna | $10,302 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,755 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 2 |
| UnitedHealthcare | $10,701 | 1.1× | 2 |
| Providence Little Co Of Mary Med Ctr San Pedro median $10,761 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,704 | 0.6× | 3 |
| Cigna | $20,358 | 2.2× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,761 | 1.2× | 2 |
| Providence Little Company Of Mary Med Ctr Torrance median $10,781 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,718 | 0.6× | 3 |
| Cigna | $20,383 | 2.2× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,781 | 1.2× | 2 |
| Usc Verdugo Hills Hospital median $10,949 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $6,916 | 0.7× | 2 |
| Blue Shield of California | $7,273 | 0.8× | 1 |
| Cigna | $11,186 | 1.2× | 1 |
| Facey Medical Group | $11,199 | 1.2× | 1 |
| Heritage Provider Network | $14,372 | 1.5× | 1 |
| UnitedHealthcare | $10,712 | 1.1× | 1 |
| Providence St. Jude Medical Center median $11,484 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,564 | 1.2× | 1 |
| Blue Shield of California | $9,792 | 1.0× | 2 |
| Elevance/Anthem/Empire | $14,733 | 1.6× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $11,403 | 1.2× | 2 |
| Providence Mission Hospital median $11,970 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,790 | 1.3× | 1 |
| Blue Shield of California | $12,151 | 1.3× | 2 |
| Elevance/Anthem/Empire | $13,675 | 1.5× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $10,791 | 1.2× | 2 |
| Providence St. Joseph Hospital median $12,142 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,564 | 1.2× | 1 |
| Blue Shield of California | $11,651 | 1.2× | 2 |
| Elevance/Anthem/Empire | $14,078 | 1.5× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $12,633 | 1.4× | 2 |
| Ucla West Valley Medical Center median $13,065 · local Medicare $9,333 · file 2026-03-29 | |||
| Centivo | $21,784 | 2.3× | 1 |
| Elevance/Anthem/Empire | $13,065 | 1.4× | 2 |
| LA Care Commercial | $11,028 | 1.2× | 2 |
| Saint John's Health Center median $13,460 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $7,618 | 0.8× | 3 |
| Cigna | $15,861 | 1.7× | 1 |
| Elevance/Anthem/Empire | $11,144 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $13,460 | 1.4× | 2 |
| Keck Hospital Of Usc median $13,532 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $19,165 | 2.1× | 1 |
| Axminster Medical Group | $11,199 | 1.2× | 1 |
| Blue Shield of California | $13,113 | 1.4× | 2 |
| Cigna | $18,272 | 2.0× | 1 |
| Health Care Support | $11,666 | 1.2× | 1 |
| Kaiser Permanente | $26,598 | 2.8× | 1 |
| Riverside Physician Network | $13,532 | 1.4× | 1 |
| Seoul Medical Group | $12,133 | 1.3× | 1 |
| UnitedHealthcare | $23,377 | 2.5× | 2 |
| Memorialcare Orange Coast Medical Center median $16,125 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $8,360 | 0.9× | 5 |
| Centivo | $20,999 | 2.2× | 1 |
| Cigna | $12,830 | 1.4× | 3 |
| Elevance/Anthem/Empire | $16,125 | 1.7× | 4 |
| Healthcare Partners | $24,218 | 2.6× | 2 |
| Healthnet | $13,839 | 1.5× | 2 |
| Monarch Health Plan | $18,525 | 2.0× | 4 |
| Select Health | $12,599 | 1.3× | 1 |
| UnitedHealthcare | $19,341 | 2.1× | 3 |
| Hoag Memorial Hospital Presbyterian median $16,137 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $14,621 | 1.6× | 1 |
| Blue Shield of California | $7,941 | 0.9× | 2 |
| Elevance/Anthem/Empire | $17,653 | 1.9× | 1 |
| UnitedHealthcare | $22,919 | 2.5× | 2 |
| Santa Monica - Ucla Med Ctr & Orthopaedic Hospital median $17,456 · local Medicare $9,333 · file 2026-03-29 | |||
| Centivo | $22,398 | 2.4× | 1 |
| Elevance/Anthem/Empire | $10,494 | 1.1× | 2 |
| Health Plan of Nevada Commercial | $25,998 | 2.8× | 1 |
| LA Care Covered CA | $12,514 | 1.3× | 1 |
| Memorialcare Long Beach Medical Center median $19,580 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $10,150 | 1.1× | 5 |
| Centivo | $20,999 | 2.2× | 1 |
| Cigna | $9,968 | 1.1× | 3 |
| Elevance/Anthem/Empire | $18,008 | 1.9× | 4 |
| HealthNet | $19,770 | 2.1× | 1 |
| Healthcare Partners | $24,218 | 2.6× | 2 |
| Monarch Health Plan | $20,159 | 2.2× | 4 |
| UnitedHealthcare | $19,391 | 2.1× | 3 |
| Cedars-Sinai Medical Center median $28,632 · local Medicare $9,333 · file 2025-11-26 | |||
| Blue Shield of California | $25,517 | 2.7× | 4 |
| Elevance/Anthem/Empire | $36,188 | 3.9× | 2 |
| UnitedHealthcare | $28,632 | 3.1× | 3 |
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Providence Holy Cross Medical Center median $10,395 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,475 | 0.6× | 2 |
| Cigna | $10,336 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $12,477 | 1.3× | 2 |
| Providence Cedars Sinai Tarzana Medical Center median $10,504 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,311 | 0.6× | 2 |
| Cigna | $10,353 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,886 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,504 | 1.1× | 2 |
| Providence Saint Joseph Medical Ctr median $10,701 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,318 | 0.6× | 2 |
| Cigna | $10,302 | 1.1× | 2 |
| Elevance/Anthem/Empire | $10,755 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 2 |
| UnitedHealthcare | $10,701 | 1.1× | 2 |
| Providence Little Co Of Mary Med Ctr San Pedro median $10,761 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,704 | 0.6× | 3 |
| Cigna | $20,358 | 2.2× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,761 | 1.2× | 2 |
| Providence Little Company Of Mary Med Ctr Torrance median $10,781 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $5,718 | 0.6× | 3 |
| Cigna | $20,383 | 2.2× | 2 |
| Elevance/Anthem/Empire | $10,395 | 1.1× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $10,781 | 1.2× | 2 |
| Usc Verdugo Hills Hospital median $10,949 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $6,922 | 0.7× | 2 |
| Blue Shield of California | $7,273 | 0.8× | 1 |
| Cigna | $11,186 | 1.2× | 1 |
| Facey Medical Group | $11,199 | 1.2× | 1 |
| Heritage Provider Network | $14,372 | 1.5× | 1 |
| UnitedHealthcare | $10,712 | 1.1× | 1 |
| Providence St. Jude Medical Center median $11,484 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,564 | 1.2× | 1 |
| Blue Shield of California | $9,792 | 1.0× | 2 |
| Elevance/Anthem/Empire | $14,733 | 1.6× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $11,403 | 1.2× | 2 |
| Providence Mission Hospital median $11,970 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,790 | 1.3× | 1 |
| Blue Shield of California | $12,151 | 1.3× | 2 |
| Elevance/Anthem/Empire | $13,675 | 1.5× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $10,791 | 1.2× | 2 |
| Providence St. Joseph Hospital median $12,142 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $11,564 | 1.2× | 1 |
| Blue Shield of California | $11,651 | 1.2× | 2 |
| Elevance/Anthem/Empire | $14,078 | 1.5× | 4 |
| Healthnet | $21,313 | 2.3× | 1 |
| Oscar | $7,933 | 0.8× | 1 |
| UnitedHealthcare | $12,633 | 1.4× | 2 |
| Ucla West Valley Medical Center median $13,065 · local Medicare $9,333 · file 2026-03-29 | |||
| Centivo | $21,784 | 2.3× | 1 |
| Elevance/Anthem/Empire | $13,065 | 1.4× | 2 |
| LA Care Commercial | $11,028 | 1.2× | 2 |
| Saint John's Health Center median $13,460 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $7,618 | 0.8× | 3 |
| Cigna | $15,861 | 1.7× | 1 |
| Elevance/Anthem/Empire | $11,144 | 1.2× | 4 |
| Healthnet | $25,913 | 2.8× | 1 |
| UnitedHealthcare | $13,460 | 1.4× | 2 |
| Keck Hospital Of Usc median $13,532 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $19,165 | 2.1× | 1 |
| Axminster Medical Group | $11,199 | 1.2× | 1 |
| Blue Shield of California | $13,113 | 1.4× | 2 |
| Cigna | $18,272 | 2.0× | 1 |
| Health Care Support | $11,666 | 1.2× | 1 |
| Kaiser Permanente | $26,598 | 2.8× | 1 |
| Riverside Physician Network | $13,532 | 1.4× | 1 |
| Seoul Medical Group | $12,133 | 1.3× | 1 |
| UnitedHealthcare | $23,377 | 2.5× | 2 |
| Memorialcare Orange Coast Medical Center median $16,125 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $8,360 | 0.9× | 5 |
| Centivo | $20,999 | 2.2× | 1 |
| Cigna | $12,830 | 1.4× | 3 |
| Elevance/Anthem/Empire | $16,125 | 1.7× | 4 |
| Healthcare Partners | $24,218 | 2.6× | 2 |
| Healthnet | $13,839 | 1.5× | 2 |
| Monarch Health Plan | $18,525 | 2.0× | 4 |
| Select Health | $12,599 | 1.3× | 1 |
| UnitedHealthcare | $19,341 | 2.1× | 3 |
| Hoag Memorial Hospital Presbyterian median $16,137 · local Medicare $9,333 · file 2026-04-01 | |||
| Aetna | $14,621 | 1.6× | 1 |
| Blue Shield of California | $7,941 | 0.9× | 2 |
| Elevance/Anthem/Empire | $17,653 | 1.9× | 1 |
| UnitedHealthcare | $22,919 | 2.5× | 2 |
| Santa Monica - Ucla Med Ctr & Orthopaedic Hospital median $17,456 · local Medicare $9,333 · file 2026-03-29 | |||
| Centivo | $22,398 | 2.4× | 1 |
| Elevance/Anthem/Empire | $10,494 | 1.1× | 2 |
| Health Plan of Nevada Commercial | $25,998 | 2.8× | 1 |
| LA Care Covered CA | $12,514 | 1.3× | 1 |
| Memorialcare Long Beach Medical Center median $19,580 · local Medicare $9,333 · file 2026-04-01 | |||
| Blue Shield of California | $10,150 | 1.1× | 5 |
| Centivo | $20,999 | 2.2× | 1 |
| Cigna | $9,968 | 1.1× | 3 |
| Elevance/Anthem/Empire | $18,008 | 1.9× | 4 |
| HealthNet | $19,770 | 2.1× | 1 |
| Healthcare Partners | $24,218 | 2.6× | 2 |
| Monarch Health Plan | $20,159 | 2.2× | 4 |
| UnitedHealthcare | $19,391 | 2.1× | 3 |
| Cedars-Sinai Medical Center median $28,632 · local Medicare $9,333 · file 2025-11-26 | |||
| Blue Shield of California | $25,517 | 2.7× | 4 |
| Elevance/Anthem/Empire | $36,188 | 3.9× | 2 |
| UnitedHealthcare | $28,632 | 3.1× | 3 |
17 Los Angeles CA hospitals post usable commercial rates for CPT 29914, hospital outpatient. The median across hospitals is $12,142; hospital medians range from $10,395 to $28,632. Your cost depends on your plan's deductible and coinsurance.