Insurance estimating system

Disclosed is a computerized method and system for estimating treatment costs for a health care product and/or service for a health care patient. The estimate of health care costs is calculated before the patient is discharged from the facility providing the health care product or service. The estimate of health care costs may also be performed prior to any treatment or admission to the health care facility of the health care patient. The estimate of treatment costs may include a patient payable amount that estimates the cost of the health care product/service that will be the patient's responsibility. The health care patient may be billed for the health care product or service prior to discharging the health care patient and/or prior to providing the health care product or service to the health care patient. If desired, a loan for the estimated patient payable amount may be arranged and/or provided to the health care patient to pay for the patient's portion of the cost for the health care product and/or service.