What is the difference between deductibles and co-pays?
An example of an AI chatbot conversation about deductibles and co-pays in health insurance.
What is the difference between deductibles and co-pays?
Deductibles are the amount you pay out-of-pocket before your insurance starts covering costs, while co-pays are fixed fees for specific services.
Can you give me an example of how they work together?
Sure! If your deductible is $1,000, you pay that amount first. After that, you might pay a $20 co-pay for doctor visits.
Which one should I be more concerned about when choosing a plan?
It depends on your healthcare needs. If you expect many visits, a lower co-pay might be better. If you rarely visit, focus on the deductible.
Are there plans with no deductibles?
Yes, some plans have no deductibles but may have higher co-pays or premiums. It's important to compare overall costs.
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