Medical Cost Scenario Estimator
Process up to three claims in order through a deductible-then-coinsurance scenario, using amounts you supply.
What this answers:
- Across two or three claims, in order, roughly what might I owe once my deductible and coinsurance are applied?
You supply each claim's allowed amount — this tool does not look up or estimate a real negotiated rate. Claim order can change the result, since the deductible is used up by earlier claims first. Your actual insurer's EOB (explanation of benefits) may differ from this estimate.
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How it's calculated
Each claim uses the same model as our Coinsurance Calculator, applied in order, with the remaining deductible and out-of-pocket balances carried forward between claims.
Worked example
Claims of $600 then $400, $200 deductible remaining, 20% coinsurance: claim 1 → $280, claim 2 → $80, total $360.
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