Co-Pay Plans

Co-Pay is the portion of the medical bill that you the policy holder is responsible for when medical services are rendered by a physician, these co-pays are pre-set dollar amounts.

Insurance companies offer unlimited, limited and no co-pay doctor office visit depending on the type of plan that you are purchasing. Typically a plan with limited or a pre-set number of office visits are lower priced when compared to plans that offer unlimited office visits. There are plans that do not require you to meet your deductible before using the co-pay benefit at the doctor.

When to purchase unlimited vs. limited or no co-pay plans? A healthy individual that visits a physician twice a year or less would save money by purchasing a plan that offers no co-pays or limited co-pay office visits, a family with children would benefit by purchasing a plan with unlimited doctor office visits, children are more prone to getting sick, injured and will visit doctors more often during the year. Adults with children will also be more prone to becoming sick so a plan with unlimited doctor office visits would be beneficial in the long run.