Patient Responsibility: Insurance Co. Responsibility: Total amount of claim = $250: $20 co-pay: $0: Deductible maximum = $200: $0: $0: Co-insurance maximum = $4,000: $69 co-insurance (30% of remaining $230) $161 co-insurance (70% of remaining $230) Total: $89 (may be greater if provider's charges are more than the health insurance company ....