🇺🇸 USA Insurance
Healthcare Cost Estimator
Understand your out-of-pocket costs before a medical procedure. No surprises.
Healthcare Cost Estimator
Estimate your out-of-pocket costs
The full cost before insurance
Understanding Your Healthcare Costs
Key Insurance Terms
Deductible
The amount you pay before insurance kicks in. For example, with a $2,000 deductible, you pay the first $2,000 of costs.
Copay
A fixed amount you pay for a service (e.g., $25 for a doctor visit or $10 for generic drugs).
Coinsurance
Your share of costs after the deductible, expressed as a percentage (e.g., you pay 20%, insurance pays 80%).
Out-of-Pocket Maximum
The most you'll pay in a year. After reaching this, insurance pays 100% of covered services.
Plan Types Compared
- HMO: Lower costs, but must use network providers and get referrals
- PPO: More flexibility to see any doctor, but higher premiums
- HDHP: High deductible, low premiums, HSA-compatible
- EPO: Mix of HMO and PPO - no referrals, but network-only
Frequently Asked Questions
Related Health Tools
What to Do Next
Take the next steps for your healthcare planning.