Give patients a plain-English, good-faith cost estimate via the deductible → coinsurance → out-of-pocket-max waterfall.
✓ Works offline
✓ Nothing leaves your device
✓ Every result shows its rule
The plan & procedure
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Estimated responsibility
Optional AI specialist. Add your Groq key to turn the calculator’s result into plain-language explanations and ready-to-send drafts. It never changes the numbers — and the calculator works fully offline without it.
AI specialist
The AI specialist only explains or rephrases the numbers this app already computed — it never changes them. The calculator works fully offline without a key. Your key is stored only in this browser and sent only to Groq.
Your last 3 saved results, kept on this device. Download them for your records.