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The co-payment or "copay," is a
fixed-dollar amount that you have to pay each time you get healthcare services. In HMO
plans, the copay for a doctor visit is often as low as $10. Most HMOs reimburse 80
percent of covered allowable expenses after the annual deductible of $250 to $500 per
person or $750 per family has been met (Medical and Dental Plans, 2007). The maximum
out-of-pocket expenses per calendar year for most HMO plans are $1,000 per participant
and $2,000 per family (Premiums and Deductibles, 2007).
HMO Prescription Drug Plans normally includes a $5 co-pay for generic
prescriptions and a $13 co-pay for name brand medications...
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