Medical costs change; estimate them before care. Add procedures, tests, medicines, and visit fees easily. See totals, insurer share, and your out-of-pocket amount today.
| Scenario | Subtotal | Discount | Tax | Contingency | Gross total | Coverage | Out-of-pocket |
|---|---|---|---|---|---|---|---|
| Clinic visit + labs | $175.00 | $17.50 | $0.00 | $7.88 | $165.38 | 70% | $79.61 |
| Imaging + medicine week | $420.00 | $42.00 | $0.00 | $18.90 | $396.90 | 80% | $119.38 |
| Short stay + procedure | $2,150.00 | $215.00 | $64.05 | $99.95 | $2,098.95 | 60% | $1,019.58 |
Facility fees, clinician time, diagnostics, and pharmaceuticals often dominate an invoice. Common line items include an office consultation (80–250), urgent care (120–350), and emergency evaluation (400–1,500), before tests and treatments.
This calculator treats care as an “episode” made of visits, procedures, tests, medicines, and inpatient days. A single imaging event can range from X‑ray (40–200) to CT (300–1,500). Hospital stays frequently add 900–3,500 per night, excluding surgery or ICU surcharges.
Deductible, coverage rate, copay, and out‑of‑pocket maximum reshape who pays and when. For example, a 1,000 deductible with 80% coverage means the first 1,000 is paid by the patient, then the remaining eligible costs are split 80/20 until the maximum is reached. Visit‑based copays are modeled as a fixed amount multiplied by visit count.
Provider multipliers and regional indices let you stress‑test pricing differences across settings. A 1.25 provider multiplier raises the indexed subtotal by 25%. Contingency is applied after discount and tax to reflect uncertainty, such as additional follow‑ups, supplies, or extended recovery time.
Exporting CSV supports budgeting, reimbursements, and comparison shopping. Use the component chart to spot cost concentration, then adjust quantities, unit prices, and insurance settings to test scenarios. Small changes in length of stay or imaging frequency can shift totals materially.
Add indirect items that are easy to miss: transport, lodging, parking, home care hours, and durable equipment. Rehab sessions may run 60–200 each, while a basic walker or brace can be 25–180. If income is disrupted, estimate lost wages by multiplying days off work by daily earnings. The calculator also estimates optional monthly payments: spreading a 2,400 balance over 12 months at 10% APR yields a higher total paid than a zero‑interest plan, so compare financing terms carefully. Today.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.