In health insurance you will have some benefits, doctors, hospitals that are considered in network and others that are out of network or non-network. Make sure to check your plan to see how they vary but generally non-network coverage will have a higher deductible, coinsurance, copay and max out of pocket compared to in network. At the same time some plans may have no coverage at all for anything considered out of network.
Coinsurance can mean several different things depending on what type of insurance it is in reference to. In health insurance it refers to the amount a client will have to pay after their deductible is met. So for example if your health insurance deductible has been met and your bill is $1,000 you would owe $200 if you had an 80% coinsurance.