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Copay in health insurance means the percentage of the claim amount that you will have to bear. This percentage is pre-decided at the time of purchase of a policy. Many insurers have a mandatory clause of co-payment in their health plans, while some have an opt-in option of copay in medical insurance.Do you need copay's with your health insurance?
Not all services require a copay - preventive care usually doesn't - while the copay for other medical services may depend on which doctor you see or which medicine you use. In particular, certain insurance plans charge more to visit a specialist physician instead of your primary care physician.How much is a copay with insurance?
For example, some insurance companies do not require a copay for annual physicals. Copay fees vary among insurers but typically are $25 or less. For example, an insurance plan with copays may require the insured to pay $25 per doctor visit or $10 per prescription. Review the terms of your insurance plan to determine your copayment option.