mj1 wrote:

They were saying that insurance covers 80% and he has to cover 20%. They said insurance covers $1500 and so he'll owe 20% of that which is $300. That's what they said.

Yes they made a stupid mistake. They said he pays 20% of

**what the insurance company pays**, but he doesn't of course, he pays 20% of

**the total**.

But I'd not have been able to put it that well verbally in real time. I had to ponder that in quiet surroundings with no pressure for a result and no time constraints, and my first draft was very long and unclear. In my case the talk of wagons doesn't help, though I don't say that nobody would find it helpful. All I needed to see was the fact that they used the wrong number as their starting point for calculating the 20% co-payment.

The correct result would be derived as follows:

If the insurance company pays 1500 and that's 80% of the total, then the total is

1500 / 0.8 which is 1875

So he pays 20% of that 1875, which is 375

Reminds me of the elementary mathematics questions we used to get at school. If the staff can't get that right, they're not qualified to do the job.