My son paid life insurance coverage for kindergarten and was hospitalized for pneumonia, which cost more than 2,000, and the insurance includes reimbursement for illness.

You are insured for kindergarten school insurance. Generally there is a disease liability. But each insurance company's product is slightly different. Deductibles and benefit percentages are different.

Say the deductible is 500 and the payout ratio is 80%. If you've already been reimbursed by Social Security, then for the remainder, multiply Category A by 100%, Category B by 90-95%, and Category C by 0. Then subtract the deductible and multiply by the payout percentage to get the amount you can be reimbursed for, assuming you don't end up with more than the insurance limit. If it exceeds the insurance limit, then the insurance limit amount is what you end up getting.