“After 400 dollars the insurance would start covering 10% and increase by 1% for each 100 dollars up to the 100% till you reach your maximum.”
10% of what? Anything that the doctor charges you for?
There is a reason insurance companies employ claims adjusters.
I think you are getting into the weeds on this.
Each plan can set up their terms. Market rates, Prenegotiated rates, or a provider network.
Leave it up to the market to decide. You don’t necessarily need claims adjusters.