Question

The patient's deductible has been met and the patient's coinsurance is 90/10. The patient's responsibility of coinsurance is 10% of $200, which is $20, plus the copayment of $20. Therefore the patient pays $40.

A. True.
B. False.

Answer 1

The statement is true; the patient's responsibility includes 10% coinsurance on $200, which is $20, and a $20 copayment, totaling $40 that the patient pays.

Step-by-step explanation:

In health insurance, when a patient's deductible has been met, they are only responsible for coinsurance and any applicable copayments or additional fees. In this case, the patient's coinsurance rate is 90/10, where the insurance covers 90% and the patient is responsible for 10% of the medical costs. Based on a medical expense of $200, the patient's coinsurance amount would be 10% of $200, which equals $20. If there's an additional copayment of $20, the total amount the patient pays is a sum of the coinsurance and the copayment. Therefore, the patient would pay $20 (coinsurance) + $20 (copayment) = $40 in total.