Copay and Deductible Plans

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Copay and Deductible Plans

Copays, Deductibles and Coinsurance

How do out-of-pocket costs work?

A copay (or copayment) is the flat fee you pay each time you go to your doctor or fill a prescription. 

A deductible is the amount you pay each year for most eligible medical services or medications before your health plan begins to share in the cost of covered services. 

Coinsurance is the portion of medical costs you pay after your deductible has been met. Coinsurance is a way of saying that you and your insurance plan each pay a share of eligible costs that add up to 100 percent.

Watch the “How to choose a plan in the Health Insurance Marketplace” video for additional explanation.


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2020 Deductible Plans

Coverage for these plans begins on January 1, 2020

Download your Evidence of Coverage for Deductible Plans.

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Why Choose Community?

As a local nonprofit health plan, Community Health Choice gives you plenty of reasons to join our Community. From the benefits and special programs we offer to the way our Member Services team helps you make the most of them, Community is always working life forward for you and your family.

“I always tell people to choose Community Health Choice. I tell them it’s the best health insurance they will ever be with.”
– Chandolyn
Member of Community Health Choice