Copays Pay the Bills–Honest, They Do

This is one of those topics I expect to get some heat for but here goes. Not long ago, I heard about a patient who had come to the office for a sick visit. She paid her copay of $15. Later in the week, she appeared to be getting worse and was asked to come back. She saw the doctor and got treatment. She did not pay another copay. Her reasoning? “She should have made me better the first time.” Here is how a copay works. Your insurance determines what they consider an “allowable charge” for an office visit. Then, based on the plan you or your employer chooses, your copay is … [Read more...]