What is the typical split between insurance responsibility and a patient's portion?

Question

Dealing with medical insurance and collections.

Answer 1

In the real world there really isn't a "typical" split because there are many different plans with different coverage. The most common is 80/20, with the insurance company paying 80% and patient paying 20% (after deductible). This is probably the answer you're looking for. However, most policies will have a different split out of network IF they have out of network benefits. Some plans will have 80/20 for some procedures and 50/50 for other procedures. Many HSA qualified plans are 100/0.

Answer 2

It varies by plan, it could be 80/20 , 70/30, 50/50, depending on the plan you choose.