PatientInsider
Out-of-pocket cost calculator
Estimate what you may actually owe — whether you're covered by a US insurance plan, a Canadian provincial plan and extended benefits, or nothing at all.
1
Your situation
Your country, your bill, and your coverage
2
Your estimate
What you may owe, and what to do next
🔒 Nothing you enter leaves your browser
🇺🇸🇨🇦 Built for both US and Canadian coverage
⚡ Instant results
Out-of-Pocket Cost Calculator
This gives you a real estimate, not a guarantee — actual amounts depend on your specific plan, provider, or hospital's policies.
Select your country and enter your total billed amount so we have something to estimate from.
Your estimate
Your next step
What should you do next?
This is an estimate based on the numbers you entered and commonly used general practices — it isn't a quote from your provider, insurer, or provincial plan, and actual amounts depend on your specific plan, hospital, and location. Confirm real figures directly with them before making decisions.