What is a copayment?

A copayment (also known as a copay) is an amount of money that someone must pay for health insurance coverage. In Pennsylvania, copayments are a set fee that a person has to pay out-of-pocket before their insurance coverage kicks in. The amount of the copayment varies depending on the nature of the service or treatment. For example, a primary care doctor visit may require a $40 copayment while a specialist visit may require a $50 copayment. Copayments are used to help cover the cost of health care expenses with insurance covering the remainder. Although it may seem like an additional expense, copayments can help keep insurance premiums low and encourage individuals to be more mindful of their healthcare costs.

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What is a copayment?

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