Question

Your health insurance requires a copay of $45 each time you see your doctor. You have already met your $1500 deductible for the year, but you are far below your out-of-pocket maximum payment of $5000 for the year. Your doctor charges patients without insurance $100 per visit. How much must you pay for your visit to the doctor in this situation?

Answer 1

Since deductible is exhausted but there is still amount left in out-of-pocket maximum payment of $5000 for the year, I have to pay $ 45 of the co-pay amount out of $ 100 per visit till the time out of pocket maximum is also exhausted, post which nothing needs to be paid.

Hope this helps, get into comments for any clarification. Thanks