14.3.5: Copayments
Copayments or copays are a flat rate that is charged at the point of service for specific services, such as doctor visits (apart from the yearly physical), specialty visits or therapy sessions. For example, if a person visits urgent care for a persistent cough, then is referred to a specialist, each of those visits might incur copayment costs. These don’t usually factor into the deductible (Cigna Healthcare, 2023).