A new patient, Janet Whitmoore, comes to the Allergy clinic that you work at for allergy testing (CPT code 95004, cost $960.00). Along with the allergy testing, there will be an office visit (E/M CPT code 99205, cost $300.00). Upon checking Janet's insurance benefits, you learn that she has a $50 office visit copay AND a 20% coinsurance responsibility for the allergy testing.