Calculating Medical Expenses Paid by 1. You have a $500 deductible 20% co-insurance and $15 Co-pay Total Expense Break-down you $1,000 $625 $360 Sprained ankle- ER Center X-Rays Lab Tests Prescription Drugs 1. Total Medical Expense $255 2. Deductible 3. Net Expense after deductible 4. 20% CO- insurance 80% of Net Expense Doctor Visits - 3 @ $100 each $15 Copay Remaining Expenses Out-of-pocket Maximum - $1,500 Total Owed by Susan Total Paid by Insurance Company