Health Insurance Arithmetic

Healthcare Professionals

Designed for:

  • Billing personnel and CPCs
  • Medical practice managers
  • Physicians and Surgeons
  • Hospitals, Clinics and ASCs
  • Imaging Centers

Provide your patients with a good faith estimate of their cost.

Collect copays, deductibles and coinsurance at the time of service.




Used by savvy consumers to get to their bottom-line cost.

Hand your Apple iPhone to the billing person and say:

I’d like to know my cost.
Could you fill this out?


Help your employees understand their health insurance benefits.

Download on the Apple Store

Cost Analysis Worksheet

Here’s the User Manual: Just Tap

Tap Numbers for Data Entry

Tap Text Buttons for Help

Error Messages to Stay on Track

How health insurance works in 72 seconds
Frequently Asked Questions - FAQs

Q: When entering the out-of-pocket maximum, does it make a difference if I enter $0 or just leave it blank?

A: Yes. If the annual out-of-pocket maximum has been met, enter $0. If the remaining out-of-pocket maximum field is left blank, there is no cap to the patient’s share.

Q: Sometimes the sum of the copay, amount toward the deductible, and coinsurance exceeds the out-of-pocket maximum. Why does that happen?

A: It’s because the copay is a fixed amount that’s always paid in full until after the out-of-pocket maximum is met.

Q: How can I save a calculation?

A: Just take a screenshot. Press and hold the sleep/wake button and click the Home button. The screenshot will be saved as a photo in your Photos app.

Q: I’ve been trying to break your app and found that when I put in a ridiculously high allowable (say $398,625.66) the out-of-pocket calculation is sometimes off by a penny. What’s up with that?

A: Yes, if you enter an absurd number for the allowable, the calculation may be off by a penny. It has to do with a concept called the floating point, which is a way that computers read numbers.

Q: Will the Health Insurance Arithmetic app run on an iPhone 4S?

A: Health Insurance Arithmetic is optimized for the 16:9 aspect ratio found on the iPhone 5 and iPhone 6. It will run on an iPhone 4S, but you will have to scroll down in order to see the full breakdown of the Patient’s Share of your healthcare cost. Also, if you wish to enter in a value for Non-Covered Services, you would have to 1) dismiss the keyboard by tapping the text of any of the light green payment labels, then 2) tap within the white text entry area to the right of Non-Covered Services, then 3) use the keyboard to enter in the appropriate value, then 4) dismiss the keyboard again by tapping the text of any of the light green payment labels, then finally 5) tap the Calculate button and view your results. Due to these ergonomic shortcomings, we don’t recommend running Health Insurance Arithmetic on an iPhone 4S. But if you don’t mind the Non-Covered Services tap dance, the app is fully functional.


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Contact Us

For more information about our enterprise solutions,
email us at Moneyatrics.


Our mailing address is:
199 Brown St.
Providence, RI 02906

Cost Estimate

Health Insurance Arithmetic produces a good faith estimate using the inputs below. It may not be representative of every health insurance product and cannot predict how a health insurance claim will be adjudicated.

Health Plan Allowable or Approved Amount

The price established between a Health Plan and a provider for covered services.


A fixed amount that depends on type of service and place of service that does not apply toward annual deductible.


If applicable, a specific amount paid in addition to copays that must be met before a Health Plan contributes to the cost of care.


A percentage of the cost paid by the patient after the annual deductible has been met but before the out-of-pocket maximum has been reached.

Annual Out-of-pocket Maximum

The amount of copays, deductible, and coinsurance a patient must pay before the Health Plan pays 100% for covered services.

Non-Covered Services

Monies owed by the patient to the provider for services not covered by the Health Plan.