Insurance is naturally confusing. Therefore, I am going to simplify it for you. You either have a copay, deductible, or coinsurance...or more than one! A copay is a fixed amount you must pay for a covered service at the beginning of your treatment as defined by your health plan. For example you might have a $30 copay. Depending on if you've satisfied your deductible, you may or may not owe more money for that treatment. This is where we need to learn what a deductible means!