Individual & employee benefits INSURANCE advisors               Ca Lic. #0I21751

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What is a Co-payment?

A fixed amount (for example $20) you pay for a covered health care service after you've paid your deductible. Generallyit s a fixed dollar amount. 


For example:
Let's say your health insurance plan's allowable cost for a doctor's office visit is $100. Your copayment for a doctor visit is $20.

If you've paid your deductible: You pay $20, usually at the time of the visit.
If you haven't met your deductible: You pay $100, the full allowable amount for the visit.

  • Copayments (sometimes called "copays") can vary for different services within the same plan, like drugs, lab tests, and visits to specialists.
  • Generally, plans with lower monthly premiums have higher copayments. Plans with higher monthly premiums usually have lower copayments.


Also, learn how deductibles and coinsurance affect your total costs of care