How co-pay works on your health insurance policy?
Get a quote nowSome insurers call the co-payment “excess” and this can be a specific amount or a percentage of the claim.
A copayment is simply a fixed rate you have to pay to your insurer out of your own pocket in order to claim for the covered service you are claiming for. Some insurers call the co-payment “excess” and this can be a specific amount or a percentage of the claim.
Doctor visits
Depending on your policy you might need to pay copayments for doctor visits, prescription drugs and specialist services. Co-payments would vary from policy to policy and for the different services too. Co-payment for a general doctor’s visit would be cheaper than the co-payment to go see a specialist.
Some of the standard types of co-payments:
- When you visit a hospital that is not in the network stipulated in your policy.
- When you visit a clinic or a hospital you might need to pay a co-payment
- In some cases, if you claim for a pre-existing condition you might need to pay a co-payment
Basic necessity
Health care is becoming more expensive and medical insurance is fast becoming a basic necessity. Co-payments are making health insurance premiums a bit more affordable per month or per year and now people can have medical insurance at a cheaper rate but with bigger co-payments in the case of claiming. This is making health insurance more accessible to individuals.
Your plan
When choosing a medical insurance plan – be sure you think about what you are expecting from the plan, if you know you are going to have a claim often prepare your budget for the co-payments too.
Be sure to compare plans, benefits and copayments as you might just realise it might work out better financially for you to commit to a higher plan with lower excess or co-payments.
Use Compare Insurance to quickly and easily compare a wide variety of medical insurance plans and its benefits. Within a few clicks you will have policies from a range of reputable insurance companies you can compare all on one website.
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