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Health & Fitness

What you pay

Published:   |   Updated: September 18, 2013 at 09:09 PM

Individuals and families with health insurance are responsible for a lot more than a once-a-month payment. What you pay for and how much you pay depends on several factors, including:

Monthly premium: A flat fee you pay once a month to have health insurance.

Co-pay: A defined amount paid each time you receive a certain service or treatment.

Deductible: A defined amount you must pay during the year for services and treatment before the insurance company increases its contribution.

Out-of-pocket costs: Total expenses that are not covered by insurance. They can include co-pays and deductible costs.

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