I have 500 deductible and my office visits to the non-specialists is 20 copay and deductible waived.. what does this mean... I have asked a question similar to this one.
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Co-pays are co-pays - they are never subject to your deductible/co-insurance nor do they go toward your maximum out of pocket. Traditionally - co-pays are your cost of that particular covered benefit. The insurance picks up the difference between your co-pay and the contracted rate, between the carrier and the provider. Co-pays are normally used for standard and specialist office visits. You enter into your deductible when ever you are utilizing services that are not covered under a co-payment - Labs, X-ray, in office procedures and hospitalizations etc. Also, keep in mind with most PPO plans, after you have satisfied your deductible you enter into co-insurance - typically 80/20 - meaning the insurance pays 80% of the bills and you pay 20% of the bills until you hit your maximum out of pocket - see your policy for these limits. You will also notice that you may have co-pays for Rx Drugs - this works the same way - the insurance picks up the difference between your co-pay and the contracted rate of the Rx Drug. Hope this helps!
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