Before the procedure

"What will this actually cost me?"

The most-asked question in healthcare, and nobody gives you a straight answer. Five numbers off your insurance card and the cost estimate — and you'll see exactly what you pay and why, step by step. Nothing leaves your phone.

Your plan numbers (from your insurance card, app, or HR)

Your deductible ($)

Spent toward it so far this year ($)Find it in your insurance app under "deductible met." Use 0 if unsure.

Your coinsurance (%)Your share after the deductible — "80/20" means you enter 20.

Your out-of-pocket maximum ($)

The procedure estimate ($)Ask the provider's billing office for the in-network "allowed amount" estimate — not the sticker price.

Your estimated share

How the math works — step by step

You — deductible You — coinsurance Plan pays

Estimates assume an in-network provider, the allowed amount you entered, and your individual (not family) accumulators. Facility, anesthesia, and separate physician bills can arrive as separate claims — ask whether the estimate is all-in. This is education, not a guarantee of benefits; your plan documents and EOB govern.

Procedure coming up?

The Surgery Navigator

Approvals, estimates, and paperwork — lined up before the date. →

Behind the math

What's an out-of-pocket max?

The cap that just protected you, in plain English. →