Enter the payer's allowed amount, remaining deductible, coinsurance percentage or a flat copay, and the remaining out-of-pocket maximum. Get a line-by-line breakdown of what applies to deductible, what's coinsurance, what the plan pays — with the total correctly capped at the out-of-pocket max. Free.
Two adjudication modes reflect how plans commonly categorize services — a flat-copay visit type, or a deductible/coinsurance visit type — not a claim about any one real plan's actual rules.
Unlimited estimating is free and stays free. The Front Desk Kit adds what the arithmetic alone can't: how to talk a patient through the estimate, what to confirm before you quote it, and the common scenarios this calculator deliberately doesn't cover.
Team licence for a billing/RCM department? Email for a group rate.
Unlocks the Front Desk Kit on this device and survives reloads. No account, nothing transmitted.