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[quote=Anonymous]Was $3800 the cash rate? Or the negotiated “allowed” rate? Usually it’s the full deductible and then coinsurance. But that is based on the allowed rate that the insurance company and the provider agree on. So generally speaking it looks like this: Billed rate $5000 Allowed rate $3800 Deductible $1000 Balance after deductible: $2800 Coinsurance $840 Total out of pocket $1840 If $3800 is the billed rate, your total could be lower. [/quote]
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