What is a copay?

A copay or copayment is a fixed amount of money (ex. $15) you pay towards a healthcare service. This amount can be different depending on the type of service. 

Your insurance plan decides the copays for different services and when you have to pay this amount. You may have to pay the copay amount:

• After you pay your deductible

• Before you pay your deductible

You usually won’t have a copay for every type of health care service, but this depends on your plan. 

Example: Your plan year starts on January 1st. You have a deductible of $1000, and $15 copays for all doctors visits after you meet your deductible. A doctors visit costs $100. 

At the beginning of the year you haven’t met your deductible, so when you visit the doctor you have to pay $100. By August you’ve met your deductible. The next time you visit the doctor, you’ll pay $15 for the visit and your insurance plan will pay the remaining $85.

Do my copays count towards my deductible?

If your copays start before you’ve met your deductible, they usually won’t count towards paying your deductible. View your Full Coverage Booklet to confirm your plan’s details.

Do my copays count towards my out-of-pocket maximum?

Yes! Any money you spend on copays will count towards your out-of-pocket maximum.
 

 How do I know how much my copays are and when they start?

You can view all your plan details, including detailed copay information, in your Full Coverage Booklet.