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Manhattan Cardiology
Understanding Copays, Deductibles, and Coinsurance

Navigating your health insurance can be confusing. We are here to help you understand your out-of-pocket expenses so that you can better manage your health-care costs.

Out-of-pocket expenses include:

Copay: A copay is a fixed amount that you pay for medical services at the time of the service. The cost of the copay may vary depending on if the visit is to a primary care doctor or specialist.

Deductible: A deductible is a fixed amount that you must pay each year before the insurance company begins to share the costs.

Coinsurance: After your deductible has been met, you and your insurance company each pay for a percentage of the medical service. This is called coinsurance.

If you have any questions or need assistance understanding your insurance, our staff is always available to assist.