The amount you pay often depends on the type of service being provided: Service Type Typical Copay Level Reason for Variation Encourages routine check-ups and preventative care. Specialist
Higher cost for expertise (e.g., cardiologist, dermatologist). Moderate/High Middle ground between a routine visit and emergency care. Emergency Room Discourages use of the ER for non-emergencies. Prescriptions insurance copay
: Some drug manufacturers offer "copay cards" or coupons to help lower the cost of expensive brand-name medications. The amount you pay often depends on the
It is easy to confuse copays with other out-of-pocket costs, but they function differently: Emergency Room Discourages use of the ER for non-emergencies
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Tier 1 (Generics) are cheapest; Tiers 2-4 (Brand/Specialty) are more expensive. 3. Copay vs. Other Insurance Terms