Question about my dental insurance

Some of it confused how this works, it says for Diagnostic and preventive services in network Anthem pays 100% coinsurance. I’m pretty sure hundred percent coinsurance means that I pay everything right? When I was studying for property and casualty exam plans that,had 20% coinsurance meant that you’re responsible for 20% of the cost. If that’s the case what’s the point of me playing a premium if I have to pay 100% of the cost anyway? It also says the annual deductible is $50 I don’t know I can’t adult some help please and thank you

submitted by /u/iLelouch
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