You Can’t Afford A Plan With Copays!

 
Why do insurance companies offer plans with copays?  The same reason McDonald’s packages fries and soda with their sandwiches.  The reason is because the added features cost very little but they are able to charge significantly more for the perceived value.

Total Cost – Office visit

Let’s take a look at a typical office visit with both a copay plan and a plan with no copays

	Copay Plan	PPO Plan (no copay)	Difference
Cost of office visit	$25	$65	$40
Monthly Premium	$550	$325	$225
# of office visits to make up the difference			5.25 visits/month

Illustration assumes PPO plan with $25 office visit copay and a PPO plan with no copay but a discounted rate for the same office visit.

Result: The plan without copays will give you $225/month in premium savings.  This savings can be used to pay the difference for 5.25 office visits per month.  If your family does not have more than 5 office visits every month you are spending too much!

Our Quote Engine allows you to view both types of plan so you can do your own comparison.  If you have questions along the way contact us.