Contractual Write-Off vs Patient Balance
Allowed-amount split: contractual write-off, patient responsibility (deductible + coinsurance + copay), and payer payment for an in- or out-of-network claim.
Open the tool → Runs in your browser. Data leaves only if you deliberately send a problem report from the interactive tool.
Example
- Billed charge
- 1000 $
- Allowed amount
- 600 $
- Remaining deductible
- 100 $
- Coinsurance percentage
- 20
Result: In-network: $400.00 contractual write-off, patient owes $200.00, payer pays $400.00.
The tool opens with these values already filled in. Replace them with your own.
What you enter
- Billed charge
- Allowed amount
- Remaining deductible
- Coinsurance percentage
How this is calculated
Third-party-payer contract accounting and the prohibition on balance-billing a contracted allowable: the patient owes only the cost-share on the ALLOWED amount; the charge-minus-allowed gap is a contractual adjustment, not patient debt (allowed = payer payment + patient responsibility).
A reference and educational tool. Not medical, legal, or financial advice, and not a substitute for clinician judgment.
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