See exactly where you stand with your health insurance. Free, private, and works on any device — no account needed.
Enter your plan details below. Find these on your insurance card, online portal, or most recent EOB.
What you pay before insurance starts sharing costs. After you meet your deductible, you enter the coinsurance phase — where you and your insurer split the bill (often 80/20).
Your share of costs after the deductible. A 20% coinsurance means you pay 20% of each bill and insurance pays 80% — until you hit your out-of-pocket maximum.
The safety net. Once you've paid this amount (deductible + coinsurance + copays), insurance covers 100% of covered services for the rest of the plan year.
January: You go to the doctor. The visit costs $250. You haven't met your deductible yet, so you pay the full $250. Remaining deductible: $2,750.
March: You have an MRI that costs $3,000. The first $2,750 goes toward your remaining deductible (now met). The remaining $250 enters coinsurance — you pay 20% ($50) and insurance pays 80% ($200). Total you've paid toward OOP max: $3,050.
July: You have a surgery that costs $25,000. With 20% coinsurance, your share would be $5,000 — but your OOP max is $8,700 and you've already paid $3,050. So you pay $5,650 (hitting your OOP max), and insurance covers the rest. OOP max reached! Insurance now covers 100%.
September–December: Any covered care is 100% paid by insurance. You pay $0 for the rest of the year.
CareLedger helps you track EOBs, bills, and insurance payments in one place. No account. No cloud. Your data stays on your device.
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