A member in an indemnity BCBS plan has an individual deductible of $500 and a family deductible of $1,000, with a coinsurance rate of 90 percent after the deductible has been met, up to an annual maximum out-of-pocket amount of $2,000. Calculate the total amount the patient owes if their first charges of the year total $2,400.

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A member in an indemnity BCBS plan has an individual deductible of $500 and a family deductible of $1,000, with a coinsurance rate of 90 percent after the deductible has been met, up to an annual maximum out-of-pocket amount of $2,000. Calculate the total amount the patient owes if their first charges of the year total $2,400.

Answer: $1,590

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