This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 1, 2025. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
Copay
A fixed amount you pay for a specific covered service at the time of care.
Full Definition
A copay (or copayment) is a set fee you pay each time you receive a specific type of medical service — for example, $25 for a primary care visit or $50 for a specialist. Copays often apply even before you meet your deductible, depending on your plan. They are separate from coinsurance.
Real-World Example
Your plan has a $30 copay for primary care visits. Every time you see your family doctor, you pay $30 at the front desk, regardless of the total visit cost.
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