What the calculator estimates
The calculator multiplies each selected supply by its approximate annual replacement count and an estimated patient-share cost. It then converts the annual total into a monthly planning number.
Planning modes
Use the mode that best matches how you pay for supplies. The replacement dates stay based on common supply intervals; the cost estimate changes by patient-share assumption.
- Medicare-style: lower out-of-pocket estimate after typical 80/20 cost sharing.
- Private insurance: middle estimate for plans with copays, coinsurance, or deductibles.
- Cash-pay: full estimated patient cost with no coverage offset.
Why your real cost may differ
The same supply can cost very different amounts depending on supplier contracts, deductible status, plan design, replacement quantity, and whether the supplier accepts assignment. Treat the number as a budget prompt.