Insurance, made simple
A real visit, start to finish

The bill that finally makes sense.

Health billing sounds confusing, but it is really just a few steps. Follow one real visit, John Doe seeing his therapist, and watch a $200 charge settle to exactly what he owes.

2 min read Interactive One real example
The bill, reconciledPAID
The clinic's charge$200.00
In-network discount nobody pays−$50.00
Aetna's share−$120.00
Co-pay, paid at the desk−$30.00
Your balance$0.00
01 The journey

Follow John's visit, step by step

Press Play to watch the whole journey, or tap any stop to jump there.

Step 1 of 6
02 The split

Who pays what?

The clinic billed $200 for the session. Here is how that splits up. Hover or tap a slice to learn more.

JD
John Doe
Aetna PPO · 50-minute therapy session
Covered
Total charge for the visit $200
$120Aetna pays
$30John's co-pay
$50Written off
Aetna pays $120
John's insurance covers most of the visit.
John's co-pay: $30
A small fixed amount he pays every visit, his only out-of-pocket cost here.
$50 written off
A discount Aetna negotiated. Nobody pays this, not John, not Aetna.
The big idea: because John's therapist is in-network with Aetna, John's share is capped at his $30 co-pay. The $50 write-off is the negotiated discount, and he never sees a bill for it.
03 The balance

So what does John actually pay?

It depends on one thing: did the front desk collect his co-pay at the visit? Flip the switch to compare.

Co-pay collected at the visit?
04 Word bank

Quick word bank

Tap any term you are unsure about.

A small fixed amount you pay for each visit (here, $30). It does not change based on the total bill.

The amount you pay yourself each year before insurance starts chipping in. John's is already met, so it does not add to his cost.

A provider who has an agreement with your insurer. It means lower, capped costs for you, plus that negotiated write-off discount.

The bill the clinic sends to your insurer asking them to pay their share. Mediyn sends it electronically through a service called Office Ally.

A quick, instant lookup before the visit that confirms your coverage is active and shows your co-pay and deductible.

The difference between the clinic's sticker price and the rate the insurer agreed to. It is a discount. Nobody pays it.