how much will a patient pay out of pocket for a $190 minor procedure if the deductible has not been…
how much will a patient pay out of pocket for a $190 minor procedure if the deductible has not been paid?\ndental insurance\npreventative exams 100%\nminor restorative 80%\nmajor restorative 50%\ndeductible $100.00\nmaximum benefit $1,800.00\nmonthly premium $60.00
Answer
Explanation:
Step1: Apply deductible first
Since the deductible of $100 has not been paid, the patient pays the deductible amount first.
Step2: Calculate remaining cost after deductible
The cost of the procedure is $190. After paying the $100 deductible, the remaining cost is $190 - $100=$90.
Step3: Apply insurance coverage for minor - restorative
For minor - restorative procedures, the insurance covers 80%. So the patient pays 20% of the remaining $90. The amount the patient pays for the remaining cost is $90\times0.2 = $18.
Step4: Calculate total out - of - pocket cost
The total out - of - pocket cost is the sum of the deductible and the patient's share of the remaining cost. So it is $100 + $18=$118.
Answer:
$118