Will my medical bill (with a higher amount than my deductible) cover my deductible amount and the remaining allocated to the coinsurance %?

So I was reading through different posts as Im trying to understand how much i will have to end up paying after a medical procedure i just had done and Just want some confirmation to make sure I understand the process.

Lets say I have a plan with $500 annual deductible that i havent met yet (im at $0) and I have a medical bill for $2000. Also, after meeting my deductible I will be responsible for 20% coinsurance.

Scenario A As far as i understood from the $2000 i will have to pay the following..

$500 that will go towards my deductible and > $300 (20% of the remaining 1500) So it will be a total of $800.

Scenario B I was initially thinking that because I had not met my deductible at the time of my procedure, then I would have to pay the $2000 in full and that payment would cover my $500 deductible. Then, for my future bills i will only have to pay 20% of coinsurance.

If scenario A is correct, is that a general rule for all insurance plans? I have BCBS and its the first time Ive done more that preventive care which is always fully covered. Appreciate the help.

submitted by /u/wanderluster0
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