Interactive Tool
Deductible Engine
Enter a claim amount alongside your deductible, coinsurance and out-of-pocket max to see exactly what you'd owe versus what the carrier covers.
Result
Deductible Applied$0
Coinsurance Owed$0
You Owe (Total)$0
Insurer Pays$0
YOUINSURER
Results use the inputs above. Your policy documents govern actual claim settlement.
Cost Model
How the math works
Four terms drive every out-of-pocket number
1
Deductible
What you pay first, before coverage contributes anything.
2
Coinsurance
Your share of costs after the deductible is met, as a percentage.
3
Out-of-Pocket Max
The ceiling on what you pay in a policy period, regardless of claims.
4
Insurer Share
What the carrier pays once your responsibility is calculated.
Filed a claim? See what happens next
Walk through the claim pathway from report to settlement.
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