Mental health in-office services such as psychotherapy or drug counseling.Office visits with a primary care provider for non-preventive care.Copays generally, but not always (check with your plan), apply to: Note that if you go to out-of-network healthcare professionals, the co-pay is usually significantly higher.Ī copay is a fixed amount, so you have peace of mind knowing how much you will be charged for each visit. For instance, if after your wrist heals you get a sinus infection and go to your main (primary care) doctor for treatment and your insurer has a $25 copay for visits to your primary care doctor, you will need to pay $25 before the insurer picks up its portion of the bill. Once your deductible has been fulfilled, you will still need to pay a copay for future services.
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