A patient receives an Explanation of Benefits (EOB) after a recent surgical procedure. In reviewing the document, the patient is confused about the meaning of 'Patient Responsibility'. Which is the BEST description to help the patient understand what 'Patient Responsibility' indicates on their EOB?
An estimate of the patient's future coverage benefits for additional services.
The total cost of services before insurance adjustments.
The amount the insurance company will pay the patient directly for the services rendered.
The portion of the bill the patient is required to pay out-of-pocket, including deductibles, co-payments, and non-covered services.