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The tutorial discusses insurance math problems, specifically focusing on deductibles and coinsurance. In scenario A, a patient with a $100 deductible who is billed $95 will owe the full amount since the deductible has not been met. In scenario B, a patient with a 75/25 plan where 25% is coinsurance and the deductible has been met, the insurance will cover a portion of the expenses. Deductibles must be met before insurance coverage kicks in.