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now were going to talk about calculating insurance payments and calculating patients out-of-pocket payments we are going to start by using either the Trojan database the software database or real time in the computer in your office the facts breakdown of benefits the insurance website or the phone call when we call for the breakdown of benefits this is the trojan database and in this first line up here we put the name of the employer this is page one of the trojan database breakdown of benefits for that employer and that insurance company the plan maximum is $1,500 per person per year and the deductible is $50 per person per year and the payment base is usual customary and reasonable when calculating percentage we first must convert the percentage to a decimal number and we can achieve that by moving the decimal point two places to the left so eighty percent equals 0.80 fifty percent equals 0.5 oh and 20 percent equals 0.2 oh then after that we multiply the dollar amount by the decim