Copayments are a fixed amount you pay for basic services - or $ 20 for a doctor visit , $ 100 for an emergency visit , etc. The deductible is the amount of pocket that the insured is responsible in a calendar year . Unless your plan specifically states that copayments do not apply to your deductible, ie even if you pay a copayment for hospital $ 100 , you remain responsible for all your deductible.
For example , if you have a deductible of $ 1,000 and a $ 100 ER copay , you are responsible for the total of the first $ 1100 of that visit.
We must also take care of your pocket maximum , which is usually 2 or 3 times your deductible. This applies when you use the services do not apply to your deductible. For a list of these services, see the schedule of your benefit plan.
Hope this helps !
