Finance Tools
ER Copay vs Coinsurance Cost Calculator
Compare ER copay vs coinsurance by estimating your out-of-pocket cost under each option to see which may be cheaper.
ER Copay vs Coinsurance Cost Calculator
Compare your ER out-of-pocket cost under a copay vs coinsurance model. This helps you understand which option may be cheaper for a given ER bill.
How to use this er copay vs coinsurance cost calculator
- Enter the total ER charges.
- Enter the ER copay amount.
- Enter the coinsurance percentage.
- Calculate out-of-pocket cost for both options.
- Compare which option is cheaper.
Example
If ER charges are $3,000, copay is $300, and coinsurance is 20%:
- Copay cost = $300
- Coinsurance cost = $3,000 × 20% = $600
- Copay is cheaper in this example
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