Almost everybody who buys insurance from me wants health insurance with a copay for doctor's office visit. They seem to think this is a standard part of any health insurance plan. However, more and more health insurance for individuals is being sold without a doctor copay, OR it has an option to leave the copay off.
WHAT DO I THINK ABOUT DOCTOR COPAY?
Personally, I think that people should consider leaving this option off. A few companies also include testing with the doctor's copay BUT MOST COMPANIES only use the copay for the actual doctor's visit. Any shots, testing, or treatment may fall under the deductible.
In addition, the premium for the doctor's copay, can add 25% to your monthly bill! If you visit the doctor a couple of times a year, does it make sense to pay an extra $100 a month so you can pay $40 to go to the doctor? Of course, if you tend to visit the doctor several times a year, you may find a doctor's copay to be worth it to help you budget.
COMPARE HEALTH INSURANCE QUOTES OR FIND A LOCAL AGENT
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