Some insurance plans require a copayment (copay), but others require coinsurance.  Coinsurance is similar to a copay, but consists of a percentage, such as 20% or 30%, that is paid by the insured after reaching any applicable deductible.  This percentage is usually calculated on the insurance approved amounts and should be paid at the time of service.  Similar to copays, the doctor's office or pharmacy are usually under contract to collect this amount and are not permitted to waive these fees.
Brandt R Gibson, DPM
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Podiatrist, Neuropathy Doctor, Father of 11 and Founder of Mountain West Foot & Ankle Institute