Insurance Policy Benefits: Out-of-Network (OON)
	ER visit Gross Charges are $15K. Patients insurance allows $10K.
	Patients policy has an OON $5K deductible and 35% coinsurance.
	What should the patient and insurance each pay?
	Gross Charges:	$ 15,000
	Allowed Amount	$ 10,000
	Deductible	$ 5,000
	Coinsurance
	Patient Liability
	Insurance Liability