What is a co-payment?

A co-payment is a health insurance term used in California to describe an amount of money a person must pay when they receive covered health care services. It is also sometimes referred to as a “copay.” The co-payment amount is typically a fixed dollar amount, such as $20, established by the insurance company. The amount of the co-payment will depend on the type of service provided and the plan’s coverage. When a person visits the doctor, they are usually required to pay their co-payment at the time of the visit. The rest of the cost for the healthcare service will be paid for by the insurance company. Co-payments are designed to encourage cost savings and responsible healthcare choices when it comes to the use of covered healthcare services. The co-payment system helps to prevent people from overusing healthcare services and helps to keep insurance premiums lower. In California, co-payments vary depending on the health plan. Some plans may not have any co-payments at all, while others may have high co-payments for certain services. It is important to review the information from your health plan to know what the co-payment amount is for each service you receive.

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