In the BCBS example, after applying the deductible to the balance, what is the remaining balance that could be paid by the insurer?

In the BCBS example, after applying the deductible to the balance, what is the remaining balance that could be paid by the insurer?

• A. $40
• B. $80
• C. $0
• D. $20

Answer: (A)

A deductible is the amount the patient must pay out of pocket before the insurer starts contributing to the bill. Once that deductible amount is subtracted from the total balance, the remaining amount is the portion the insurer could pay, subject to the plan’s other terms (like coinsurance or copays). In this BCBS example, applying the deductible to the balance leaves $40 as the amount the insurer could cover. That remaining figure represents what the insurer can pay after the deductible is met. If coinsurance or other cost-sharing applied, the insurer’s actual payment could be a portion of that remaining amount, but with the given scenario, the remaining amount is $40.

A deductible is the amount the patient must pay out of pocket before the insurer starts contributing to the bill. Once that deductible amount is subtracted from the total balance, the remaining amount is the portion the insurer could pay, subject to the plan’s other terms (like coinsurance or copays).

In this BCBS example, applying the deductible to the balance leaves $40 as the amount the insurer could cover. That remaining figure represents what the insurer can pay after the deductible is met. If coinsurance or other cost-sharing applied, the insurer’s actual payment could be a portion of that remaining amount, but with the given scenario, the remaining amount is $40.