A patient receives an EOB stating services are not covered due to unmet out-of-pocket medical expenses. What is this amount called?

The amount referred to in the scenario is known as the deductible. A deductible is the amount a patient is required to pay out-of-pocket for healthcare services before their insurance coverage begins to take effect. In this situation, the EOB (Explanation of Benefits) indicates that certain services are not covered because the patient has not yet met their deductible for the given plan year. This means the patient must cover these expenses themselves until they reach the specified deductible amount, after which their insurance will begin to pay for covered services.

The other terms mentioned do hold significance in health insurance, but they refer to different aspects of cost-sharing. A copay is a fixed amount paid at the time of receiving a service, while coinsurance is a percentage of the costs of a covered healthcare service that the insured is responsible for after the deductible is met. The allowed amount refers to the maximum amount an insurer will pay for a covered service and does not specifically relate to out-of-pocket expenses that have yet to be met.