What is a copayment?
The copayment generally applies to in-network care. With this type of plan, when you obtain care from an in-network provider, you pay only a fixed amount at the time you receive services. That amount is called your copayment.
A copay is a fixed amount ($30, for example) you pay for a covered health care service after you’ve paid your deductible.
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 $30.
Copayments (sometimes called “copays”) can vary for different services within the same plan, like drugs, lab tests, and visits to specialists.