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Annual Deductibles
The annual deductible is the amount of money you must pay out of pocket for healthcare services that have been designated as covered expenses before your plan begins to pay benefits for eligible expenses. In most cases, the higher your annual deductible, the lower your monthly premium. However, some plans may have medical underwriting qualifications, lowering the risk for the insurance company, and may provide low to no annual deductible as well as a low premium.
Co-payments
A co-payment is a designated amount that your are required to pay out of pocket for doctors visits, prescription drugs, or urgent care services and may or may not be applied to your annual deductible requirement. Your co-payment is paid at the counter of your medical facility prior to services being rendered by a physician. Co-payments can vary by plan and some plans may have no co-payment requirements at all.
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