Medical Expense Calculator
Calculate your net out-of-pocket medical expenses after insurance coverage.
Disclaimer: This calculator provides an illustrative estimate only. Actual compensation can vary based on jurisdiction, facts, liability, insurance coverage and applicable law.
Calculate
Enter your values below.
Result
Net out-of-pocket expense
0
Disclaimer: This calculator provides an illustrative estimate only. Actual compensation can vary based on jurisdiction, facts, liability, insurance coverage and applicable law.
Formula used
Net expense = max(Total bills − Insurance covered, 0)
Example: $15,000 in bills, $10,000 covered by insurance → net expense = $5,000.
How to use this calculator
- Enter Total medical bills, Amount covered by insurance.
- Press Calculate to see your result instantly.
FAQ
Frequently asked questions
What should I include in 'total bills'?
All medical costs related to the injury: hospital, doctor visits, medication, physical therapy, and related treatment.
What if insurance covers everything?
The net expense will show as $0, since it's floored at zero rather than going negative.
Is this useful for a personal injury claim?
Yes, out-of-pocket medical costs are often a key component of the economic damages in a claim — see the Total Damages Calculator to combine it with other factors.
Should future medical costs be included here?
This tool covers costs already incurred — you can run it again to separately track expected future costs.