These include copayments, coinsurance and deductibles. Copayments do not usually contribute towards any policy out-of-pocket maxima whereas coinsurance payments do. Examples of out-of-pocket payments involved in cost sharing include copays, deductibles, and coinsurance. The program contains premiums, deductibles and coinsurance, which the covered individual must pay out-of-pocket. Most eliminate the deductible and use tiered drug co-payments rather than coinsurance. After the deductible is met, the coinsurance benefits apply. There is no fee for use of the Tricare Extra benefit other than the coinsurance. However, the beneficiary cost sharing (e.g., co-payment or coinsurance) may be higher for specialist care. In insurance, co-insurance or coinsurance is the splitting or spreading of risk among multiple parties. A coinsurance is a percentage of the allowed amount that the patient must pay. This is an example of a coinsurance, with coinsurance requirement of 75%. In the 1920s, CCC was the first to create a coinsurance clause on homeowners' policies.