Co-Pay Plans

Co-Pay is the portion of the medical bill that you the policy holder are responsible for when medical services are rendered by a physician, these co-pays are fixed amounts.  Insurance companies offer both unlimited and limited physician office visits depending on the type of plan that you are purchasing. Typically a plan with limited or fixed co-pay office visits are lower priced when compared to plans that offer unlimited office visits.

When to purchase unlimited vs limited or no co-pay plans? A healthy individual that visits a physician less than two times a year 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.