The reimbursement percentage is how much money you get reimbursed after you submit your claim. Covered claims will be paid less the co-pay and annual deductible.  For example, if you have a covered claim of $1,000 with a 90% reimbursement rate and $50 annual deductible, we will cover up to $900 (the $100 difference is the 10% copay).  $50 is first applied towards your deductible and you will be reimbursed the remaining $850 *exclusions apply*.