![]() Most plans cover preventive services at 100% that is, you will not owe anything. For instance, if you have a $50 specialist copay, that’s what you’ll pay to see an expert-whether or not you’ve attained your deductible. Your copay applies even when you have not attained your deductible yet. Different copays usually apply to urgent care, specialist visits, office visits, prescriptions, and emergency room visits. Copays usually begin at $10 and go up from there, varying on the kind of care you get. ![]() What Are Copays?Ĭopays (or copayments) are specific amounts you pay to your medical insurer when you get services. If you own a high-deductible medical plan, you might be qualified to set aside cash in a tax-advantaged Health Savings Account. If you have any family on your policy, you’ll have a different (higher) amount for the family and an individual deductible. For instance, if you have a $3,000 deductible, you have to pay $3,000 before your insurance starts fully.
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