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Calculator · Health & Care

Treatment & Rehab Cost Calculator

Programme cost after insurance, including deductible and out-of-pocket maximum.

Read the how-to
The formula

How this number is built

you pay = min(deductible + coinsurance × remaining cost, out-of-pocket maximum)
Step by step

Doing it by hand

Step 1

Get the daily rate and expected length of stay in writing.

Step 2

Check how much of your deductible is already met this year.

Step 3

Confirm the facility is in-network — out-of-network changes everything.

Step 4

Apply your coinsurance percentage to the balance after the deductible.

Step 5

Check the out-of-pocket maximum, which caps your total exposure for the year.

Questions

What people ask next

Does the out-of-pocket maximum include everything?

It generally covers in-network deductible, copays and coinsurance, but not premiums or out-of-network balance billing.

Can programme costs be negotiated?

Frequently, especially for self-pay. Ask for the cash rate and about instalment options before admission.

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