Final answer:
The patient will be responsible for paying $60 after the insurance covers 60% of the allowed amount, which is $150.
Step-by-step explanation:
When determining what a patient will have to pay after insurance benefits are applied to their medical charges, you need to calculate the portion covered by insurance and then subtract that amount from the allowed amount. The patient's total charges are $300, but the allowed amount is $150. The benefits pay at 60% of the allowed amount.
To calculate the insurance payment:
0.60 (60%) × $150 (allowed amount) = $90.
The patient will then have to pay the allowed amount minus the amount paid by insurance:
$150 (allowed amount) - $90 (insurance payment) = $60. Thus, the patient's responsibility is $60.