Lunibyte Insurance Hub BETA

Education only — Lunibyte is not an insurance company, agent or broker. Nothing here is a quote, a recommendation, or financial advice.

Health insurance

Learn how health plan cost-sharing works — with made-up numbers only.

We never ask about symptoms, diagnoses, medications or your birth date — this page works with made-up numbers only.

A benefits summary uses a handful of terms that decide what a visit costs you. This page explains them and lets you try a made-up bill — without entering anything about your health. How to verify

Try it — a single covered claim (illustration)

An illustration with made-up numbers — not a quote. It models one fully covered claim and leaves out copays, out-of-pocket maximums, annual limits and premiums unless a field says otherwise. Real health plans also have copays and an out-of-pocket maximum — both are excluded from this simple model, so a real bill can be lower than the illustration.

🔒 These numbers stay in your browser. Nothing is sent, saved or tracked.

Enter all three numbers to see the example.

Assumptions behind every result

  • One claim on its own — no other claims in the same year.
  • The whole cost is treated as covered by the policy.
  • No copays are included.
  • No out-of-pocket maximum is applied.
  • No annual or per-claim limit is applied.
  • Premiums you pay for the policy are not counted.
  • Made-up numbers for learning. This is not a quote and not advice.
  • Real health plans can use copays, networks and an out-of-pocket maximum. A real bill can be higher or lower than this example.

Read and practice

Health insurance explained · Step-by-step worksheet guide · All six insurance topics

Learn the terms

Deductible
The amount you may owe for covered services in a coverage period (usually a year) before your plan starts to pay.Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)
Coinsurance
Your percentage share of the cost of a covered service — for example 20% of the allowed amount — usually after you've paid your deductible.Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)
Copayment
A fixed dollar amount, such as $15, that you pay for a covered service, usually when you get it.Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)
Out-of-pocket limit
The most you could pay during a coverage period. After you reach it, the plan usually pays 100% of the allowed amount for covered services.Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)
Network
The doctors, hospitals and suppliers your plan has contracted with. Costs are usually lower in-network.Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)
Allowed amount
The maximum the plan will pay for a covered service — also called eligible expense or negotiated rate. Coinsurance is usually a percentage of this amount, not of the provider's full charge.Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)

Compare — your own worksheet

Facts you entered, side by side. We don't score, rank or recommend policies — the right choice depends on things a table can't see.

Type what a policy document says. Blank cells stay "Not entered". Nothing is saved after you close the tab.

Questions people ask

Why might a real bill be lower than this example?

Two reasons the model leaves out: copays can replace coinsurance for some services, and the out-of-pocket limit caps what you pay in a year.

Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)

What is a premium?

The amount paid for the coverage itself, usually monthly, by you, your employer or both. Premiums are not part of this example.

Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)

Is preventive care treated differently?

Preventive care means routine screenings, check-ups and counseling to prevent or detect illness. Many plans treat it differently from other care — check your plan's summary of benefits.

Source: HealthCare.gov (U.S. Centers for Medicare & Medicaid Services)

How to verify

Sources and dates