tl;drA flat fee you pay upfront for medical care.

Copays (or copayments) in health insurance are flat fees that you pay on the spot for medical care. Copays cover your portion of the cost of a doctor's visit or medication.

This does not count toward your deductible and is paid every time you go to the doctor or fill a prescription.

How much are copays?

The cost of copayments varies by insurance plan. Some services don't require a co-pay, and not all health insurance plans have co-pays (in a similar way that some plans have a $0 deductible).

You should be able to find your copay amount either in your insurance documents or on your insurance card. Generally, plans with lower monthly premiums have higher co-pays.

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