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! A deductible is an amount of money that needs to be satisfied or paid off (by the patient) in order for the insurance company to start paying for the service. For instance, if you have a $2000 deductible, you (the pati
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