*It is helpful to understand that several factors will affect the accuracy of your estimate such as your specific insurance benefits (including deductibles, copay, coinsurance, and out-of-pocket maximums). In addition, if the services you need change during your treatment, your out-of-pocket costs may change as well. Ultimately, if you have insurance, your insurance plan will determine the amount you owe, including deductibles, copay, coinsurance, and out-of-pocket maximums.