Benefits & Wellness For New Employees More information is available online at www.nova.edu/hr/benefits. For questions or login assistance email HR4U@nova.edu or call 954-262-HR4U (4748) Medical & Prescription Plans at NSU Common Insurance Terms COINSURANCE Coinsurance is the percentage of costs of a covered health care service you pay (20%, for example) where applicable. If the doctor or provider’s allowed amount for an office visit is $100 and your coinsurance is 20%