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Tracks skin substitute beneficiary out-of-pocket costs over time: 1. Application fee coinsurance by region (20% of PFS carrier fee) 2. Product coinsurance trajectory (20% of ASP+6% per cm²) 3. Total episode cost sharing for 25cm² wound (product + application) 4. OPPS copayment collapse: $105-366 (2021-2025) → $25.43 flat (2026) 5. Winners/losers: high-ASP products save, low-ASP products pay more 6. Episode scenarios: Apligraf, EpiFix, GrafixCore before/after CY2026 7. Part B deductible context ($147 in 2015 → $257 in 2025-2026) 8. Key takeaways refs #246