A non physician office will accept a copay in cash, check or card. Not every office will accept all three. It is best to consult with them before going in to pay.
Office Visits - $20 copay Whenever you go to see your regular doctor you are required to pay a $20 copay.
This is between you and the physician. I would argue that no service was provided but they would probably disagree.
The copay amount is the different between what the cost of the medical procedure is and what the insurance will cover. Some HMO's have standard copay fees for doctors office visits, other do not. Prescription insurance plans will also have a copay amount, again to cover the cost difference between what the insurance company will pay versus the price of the medication.
That's a good attorney question, but I would not think so. Copay and deductable would be medical expenses, not medical insurance.
The small fee that is paid at the time of the office visit is called a copay. The copay amount, usually $15.00 to $30.00 depending on your plan, is all that you pay for the cost of the office visit. Coinsurance is a percentage of a larger hospital medical bill that you pay after you meet your deductible. For instance, if you have a "80/20" plan, with a $1000.00 deductible you are responsible for the first $1000.00 of the bill. Then the insurance company pays 80% of the bill and you pay 20% of the bill. The 20% is your coinsurance.
I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office would always send me a check for the copay a month later because the secondary paid it.
Yes, most people on Medicare will need to pay a copay in order to go to physical therapy appointments. This is considered to be a specialist. If you have other health insurance outside of Medicare, this may cover the copay amount.
Medicaid will pay the copay only if the amount of the copay added to whatever the primary insurance paid is less than or equal to what Medicaid would allow for that charge to begin with. Like charge of $50 for a visit, and the copay is $10 and the primary insurance paid $3 and Medicaid allows $15 for that particular code. Then Medicaid would pay $12.00 of it. This is highly unlikely, though.
AnswerIt depends on the allowed amounts. Even if it does pay something it will never pay the entire copay.
pay a higher deductible
one co-pay for brand names and a lower one for generics.
It depends on what other cost-sharing practices the insurance company uses. If the only thing you will ever be responsible for is a co-pay, than it is excellent insurance as most insurances require that you meet a 500-2000 dollar deductible before they will pay anything. So-if you do not have to pay a copay up front but will be responsible for the entire bill to meet your deductible, it would be better to pay a 35$ copay up front everytime you go. Example: you go to the doctors 4 times a year at $200 for every visit Company A- 40 dollar copay for office visit, no deductible, then 100% after ded Company B- No copay, 500 dollar deductible, then 100%. Company A Cost- 40*4=160 Comapny B Cost- 200*4-= 800 you pay 500 insurance pays 300