Work out medical cost estimate instantly with clear inputs, formula shown and shareable results.
Applies the deductible first and then your coinsurance percentage to the remaining balance, the standard order of operations on a medical bill.
Cost sharing
Patient cost = remaining deductible + coinsurance x (billed amount - deductible applied)
Educational estimate only. Not a substitute for professional clinical judgement, and must not be used to make treatment or dosing decisions.
Yes. Once the annual out-of-pocket maximum is reached, covered in-network costs are paid in full by the insurer.
Insurers pay a negotiated allowed amount, so cost sharing is usually calculated on that rather than the list price.