In the BCBS scenario, what is the total amount the patient is responsible for paying?

In the BCBS scenario, what is the total amount the patient is responsible for paying?

• A. $48
• B. $60
• C. $40
• D. $0

Answer: (A)

In a BCBS scenario, what the patient pays comes from cost sharing: first the deductible, then any coinsurance on the remaining charges, plus any copays if stated. Here, the deductible is $40. After meeting that, there are $40 of remaining eligible charges. The plan asks for 20% coinsurance on that remaining amount, which is 0.20 × 40 = $8. Add the deductible: 40 + 8 = $48. So the patient’s total responsibility is $48, while the insurer would cover the rest (likely $32 in this example). The other options would not align with the deductible plus coinsurance calculation described.

In a BCBS scenario, what the patient pays comes from cost sharing: first the deductible, then any coinsurance on the remaining charges, plus any copays if stated. Here, the deductible is $40. After meeting that, there are $40 of remaining eligible charges. The plan asks for 20% coinsurance on that remaining amount, which is 0.20 × 40 = $8. Add the deductible: 40 + 8 = $48. So the patient’s total responsibility is $48, while the insurer would cover the rest (likely $32 in this example). The other options would not align with the deductible plus coinsurance calculation described.