To determine how much a patient will have to pay out of pocket for a [tex]$4,100 medical bill from an emergency room visit given the insurance details, we'll break down the problem step by step:
1. Deductible: The deductible is the amount the patient must pay before the insurance starts to cover expenses. According to the plan, this is $[/tex]2,500.
2. Calculate Amount After Deductible:
- The total medical bill is [tex]$4,100.
- After subtracting the deductible, the remaining amount is:
\[
4100 - 2500 = 1600
\]
So, $[/tex]1,600 remains after the deductible.
3. Co-insurance: The co-insurance rate is 20%, meaning the patient needs to pay 20% of the remaining amount after the deductible.
- 20% of [tex]$1,600 is:
\[
0.20 \times 1600 = 320
\]
So, the co-insurance amount is $[/tex]320.
4. Emergency Copay: The emergency copay specified in the plan is [tex]$300. This is an additional cost that the patient needs to pay for an emergency room visit.
5. Total Payment Calculation:
- Add the deductible, the co-insurance amount, and the emergency copay to find the total out-of-pocket expense:
\[
2500 + 320 + 300 = 3120
\]
Thus, the total amount that the patient has to pay is $[/tex]3,120.
Therefore, a patient using this insurance plan will have to pay [tex]$3,120 for a $[/tex]4,100 medical bill from an emergency room visit.
