Health Insurance Basics
What is a health insurance copay?
A health insurance copay is a fixed amount you pay for a covered health care service after you have met your deductible. Copays are typically lower for primary care and higher for specialists and emergency room visits.
Key Points
- Copay: fixed amount you pay for a covered service after meeting deductible
- Copays vary by service type: lower for primary care, higher for specialists
- Emergency room copays: typically $150-$350
- Copays count toward your out-of-pocket maximum
- An independent agent can help you compare copay structures