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Posted by: Altura Benefits in
A fixed amount ($20, for example) you pay for a covered health care service after you’ve paid your deductible.
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. The insurance company pays the rest.
If you haven’t met your deductible: You pay $100, the full allowed amount for the visit, and you receive a $100 credit towards meeting your deductible.
Copayments (sometimes called “copays”) can vary for different services within the same plan, like prescriptions, lab tests, and visits to specialists.
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