B) Now, let’s try “what if”. What if you had medical bills for $10,000 for a minor surgery? What would each of the insurance policies pay if you had not yet paid any deductible? Remember that 20% is your part (coinsurance) so the insurer’s percent is 80% for the first formula. Show how you are getting the answer c) Now let’s do another “what if”. What if the normal cost of an office visit to your regular doctor is $80, without insurance? With AAA+ and Health Today you would pay only $25 for the office visit, as it is not part of the deductible. With Best Insurance, if you have not met the deductible yet, you would pay the whole cost of $80. You may have a lot of office visits before you pay the deductible on this insurance. Let’s assume that you have met the deductible and see what the office visit would cost. You will pay 20% of it.