--- title: What is the difference between a co-pay and a deductible? description: If you've recently been in an accident, you may already know the difference between an insurance co-pay, and your insurance ... Insurance --- [![BART DURHAM INJURY LAW](https://news.bartdurham.com/hubfs/raw_assets/public/Bart_Durham_December2023/images/BD-VECTOR_MAIN-NAV-LOGO-WHITE.svg "BART DURHAM INJURY LAW")](https://bartdurham.com/) - Our Law Firm - [About Us](https://bartdurham.com/about-us/) - [Remembering Bart](https://bartdurham.com/about-us/meet-bart/) - [Our Team](https://bartdurham.com/our-team) - [Community Service](https://bartdurham.com/category/community-celebrations) - [Attorneys](https://bartdurham.com/attorneys/) - [Blair Durham](https://bartdurham.com/attorneys/blair-durham/) - [Chaucey Fuller](https://bartdurham.com/attorneys/chaucey-fuller/) - [Rich Cassidy](https://bartdurham.com/attorneys/rich-cassidy/) - [Annie Berry](https://bartdurham.com/attorneys/annie-berry-2/) - News - [News](https://news.bartdurham.com/blog) - [Resource Center](https://bartdurham.com/personal-injury-law-resource-center/) - [FAQ](https://bartdurham.com/faq/) - [Videos](https://bartdurham.com/videos/) - [The Law, Your Insurance & Your Rights](https://bartdurham.com/personal-injury-lawyer/the-law-your-insurance-your-rights/) - [Our Case Results](https://bartdurham.com/results/) - Areas of Practice - [Automobile Accidents](https://bartdurham.com/automobile-accidents/) - [Car Accidents](https://bartdurham.com/automobile-accidents/car-accidents/) - [Truck Accidents](https://bartdurham.com/automobile-accidents/truck-accidents/) - [Public Transportation and Commercial Vehicle Accidents](https://bartdurham.com/automobile-accidents/public-transportation-and-commercial-vehicle-accidents/) - [Motorcycle Accidents](https://bartdurham.com/automobile-accidents/motorcycle-accidents/) - More - [Pedestrian Accidents](https://bartdurham.com/automobile-accidents/pedestrian-accidents/) - [DUI Accidents](https://bartdurham.com/automobile-accidents/dui-accidents-injuries/) - [Rear End Collisions](https://bartdurham.com/automobile-accidents/rear-end-collisions/) - [Rollover Accidents](https://bartdurham.com/automobile-accidents/car-accidents/one-car-accidents/vehicle-rollover/) - [Personal Injury Lawyer](https://bartdurham.com/personal-injury-lawyer/) - [Catastrophic Injuries](https://bartdurham.com/personal-injury-lawyer/catastrophic-injuries/) - [Workplace Accidents](https://bartdurham.com/personal-injury-lawyer/workplace-injury-lawyers/) - [Product Liability](https://bartdurham.com/personal-injury-lawyer/product-liability-lawyer/) - [Medical Malpractice](https://bartdurham.com/personal-injury-lawyer/medical-malpractice-lawyer/) - [Recalls](https://bartdurham.com/recalls/) - [Farm Equipment Injury](https://bartdurham.com/personal-injury-lawyer/kentucky-farm-equipment-injury/) - [Contact Us](https://bartdurham.com/contact/) 800.844.1712 - Our Law Firm - [About Us](https://bartdurham.com/about-us/) - [Remembering Bart](https://bartdurham.com/about-us/meet-bart/) - [Our Team](https://bartdurham.com/our-team) - [Community Service](https://bartdurham.com/category/community-celebrations) - [Attorneys](https://bartdurham.com/attorneys/) - [Blair Durham](https://bartdurham.com/attorneys/blair-durham/) - [Chaucey Fuller](https://bartdurham.com/attorneys/chaucey-fuller/) - [Rich Cassidy](https://bartdurham.com/attorneys/rich-cassidy/) - [Annie Berry](https://bartdurham.com/attorneys/annie-berry-2/) - News - [News](https://news.bartdurham.com/blog) - [Resource Center](https://bartdurham.com/personal-injury-law-resource-center/) - [FAQ](https://bartdurham.com/faq/) - [Videos](https://bartdurham.com/videos/) - [The Law, Your Insurance & Your Rights](https://bartdurham.com/personal-injury-lawyer/the-law-your-insurance-your-rights/) - [Our Case Results](https://bartdurham.com/results/) - Areas of Practice - [Automobile Accidents](https://bartdurham.com/automobile-accidents/) - [Car Accidents](https://bartdurham.com/automobile-accidents/car-accidents/) - [Truck Accidents](https://bartdurham.com/automobile-accidents/truck-accidents/) - [Public Transportation and Commercial Vehicle Accidents](https://bartdurham.com/automobile-accidents/public-transportation-and-commercial-vehicle-accidents/) - [Motorcycle Accidents](https://bartdurham.com/automobile-accidents/motorcycle-accidents/) - More - [Pedestrian Accidents](https://bartdurham.com/automobile-accidents/pedestrian-accidents/) - [DUI Accidents](https://bartdurham.com/automobile-accidents/dui-accidents-injuries/) - [Rear End Collisions](https://bartdurham.com/automobile-accidents/rear-end-collisions/) - [Rollover Accidents](https://bartdurham.com/automobile-accidents/car-accidents/one-car-accidents/vehicle-rollover/) - [Personal Injury Lawyer](https://bartdurham.com/personal-injury-lawyer/) - [Catastrophic Injuries](https://bartdurham.com/personal-injury-lawyer/catastrophic-injuries/) - [Workplace Accidents](https://bartdurham.com/personal-injury-lawyer/workplace-injury-lawyers/) - [Product Liability](https://bartdurham.com/personal-injury-lawyer/product-liability-lawyer/) - [Medical Malpractice](https://bartdurham.com/personal-injury-lawyer/medical-malpractice-lawyer/) - [Recalls](https://bartdurham.com/recalls/) - [Farm Equipment Injury](https://bartdurham.com/personal-injury-lawyer/kentucky-farm-equipment-injury/) - [Contact Us](https://bartdurham.com/contact/) [![BART DURHAM INJURY LAW](https://news.bartdurham.com/hubfs/raw_assets/public/Bart_Durham_December2023/images/BD-VECTOR_MAIN-NAV-LOGO-WHITE.svg "BART DURHAM INJURY LAW")](https://bartdurham.com/) # What is the difference between a co-pay and a deductible? [Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) [Car Accidents](https://news.bartdurham.com/blog/tag/car-accidents), [Insurance](https://news.bartdurham.com/blog/tag/insurance), [Safe Driving](https://news.bartdurham.com/blog/tag/safe-driving), [Safety Tips](https://news.bartdurham.com/blog/tag/safety-tips) ## What is the difference between a co-pay and a deductible? If you've recently been in an accident, you may already know the difference between an insurance *co-pay*, and your insurance *deductible*. However, not everyone may understand the difference and how they affect what you pay for health coverage. ![Co-Pay-1.png](https://news.bartdurham.com/hs-fs/hubfs/Imported_Blog_Media/Co-Pay-1.png?width=350&height=200&name=Co-Pay-1.png) When choosing insurance plans, either in the marketplace or through an employer, you will see different amounts for co-payments (or co-pays) and for deductibles. The cost for these two different items are related, mostly because they are a part of your insurance coverage. So, what is the difference between a co-pay and a deductible? A co-pay is the fixed amount you pay each time you have a specific health related visit with a specialist. For instance, if you have a $50 co-pay with a primary care physician (or PCP) any time you visit your PCP you would pay $50. If you have a $20 prescription co-pay, you'll pay $20 for generic prescriptions. [These services cost more than this, and your insurance company typically pays the rest of the bill.](https://www.verywell.com/why-are-health-insurance-out-of-pocket-maximums-going-up-again-3962860) A deductible is the fixed amount you can pay toward health coverage for the year. Think of deductibles like a ceiling, you will pay no more than the total deductible for the year in health care bills. If you have a $3,000 deductible, but break your leg and owe the hospital $5,000 dollars, you will pay $3,000 while your insurance company pays the rest. Any other bills you accrue for the remainder of the year (that aren't co-pay's) will be taken care of. The Affordable Care Act (aka, Obamacare) caps your total deductible cost per year at $7,150 per individual, or $14,300 per family. [While this seems like a lot, serious injuries due to car accidents add up quickly.](https://www.verywell.com/why-are-health-insurance-out-of-pocket-maximums-going-up-again-3962860) Having a higher deductible amount runs the risk of being caught with more bills in the case of a medical emergency or unexpected hospital visit. While co-pay's and deductibles are all paying for health care coverage, it's also important to know that your co-pay's *usually* won't count toward reaching your deductible limit. Many health care coverages offer a lower co-pay amount, if you're willing to risk a higher deductible amount, increasing your out of pocket expenses in the case of emergency. If you've been in a car accident, and your health care bills are adding up, call us so we can help sort it out. You don't have to do it alone. ![Co-Pay-2.png](https://news.bartdurham.com/hs-fs/hubfs/Imported_Blog_Media/Co-Pay-2.png?width=350&height=200&name=Co-Pay-2.png) --- #### Tag: [Car Accidents](https://news.bartdurham.com/blog/tag/car-accidents) [Insurance](https://news.bartdurham.com/blog/tag/insurance) [Safe Driving](https://news.bartdurham.com/blog/tag/safe-driving) [Safety Tips](https://news.bartdurham.com/blog/tag/safety-tips) #### Share: - [Follow us on Facebook](http://www.facebook.com/share.php?u=https://news.bartdurham.com/blog/2017/10/what-is-the-difference-between-a-co-pay-and-a-deductible) - - [Follow us on Linkedin](http://www.linkedin.com/shareArticle?mini=true&url=https://news.bartdurham.com/blog/2017/10/what-is-the-difference-between-a-co-pay-and-a-deductible) - [Follow us on Pinterest](http://pinterest.com/pin/create/button/?url=https://news.bartdurham.com/blog/2017/10/what-is-the-difference-between-a-co-pay-and-a-deductible&text=What%20is%20the%20difference%20between%20a%20co-pay%20and%20a%20deductible?description=If%20you've%20recently%20been%20in%20an%20accident,%20you%20may%20already%20know%20the%20difference%20between%20an%20insurance%20co-pay,%20and%20your%20insurance%20deductible.%20However,%20not%20everyone[...]&media=) --- #### [Annual Haunted Open House scheduled for Halloween Previous Post](https://news.bartdurham.com/blog/2017/10/annual-haunted-open-house-scheduled-for-halloween) #### [Plan carefully after a loved one's tragic death Next Post](https://news.bartdurham.com/blog/2017/10/plan-carefully-after-a-loved-ones-tragic-death) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Category - [Car Accidents (479)](https://news.bartdurham.com/blog/tag/car-accidents) - [Accident (291)](https://news.bartdurham.com/blog/tag/accident) - [Dangerous or Defective Drugs (259)](https://news.bartdurham.com/blog/tag/dangerous-or-defective-drugs) - [Big Truck Accidents (185)](https://news.bartdurham.com/blog/tag/big-truck-accidents) - [Design & Manufacturing Defects (184)](https://news.bartdurham.com/blog/tag/design-manufacturing-defects) ### Popular Posts [Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 01/29/2024 [Dangerous or Defective Drugs](https://news.bartdurham.com/blog/tag/dangerous-or-defective-drugs), [Injuries](https://news.bartdurham.com/blog/tag/injuries), [Mass Tort](https://news.bartdurham.com/blog/tag/mass-tort), [Personal Injury Lawyer](https://news.bartdurham.com/blog/tag/personal-injury-lawyer) [Ozempic, Wegovy, Rybelsus, Saxenda, Mounjaro, and Trulicity Linked to Gastroparesis and Stomach Paralysis](https://news.bartdurham.com/blog/ozempic-wegovy-rybelsus-saxenda-mounjaro-and-trulicity-linked-to-gastroparesis-and-stomach-paralysis) [Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 01/28/2025 [Car Accidents](https://news.bartdurham.com/blog/tag/car-accidents), [Kentucky](https://news.bartdurham.com/blog/tag/kentucky), [Tennessee](https://news.bartdurham.com/blog/tag/tennessee), [Big Truck Accidents](https://news.bartdurham.com/blog/tag/big-truck-accidents), [Accident](https://news.bartdurham.com/blog/tag/accident), [Personal Injury Lawyer](https://news.bartdurham.com/blog/tag/personal-injury-lawyer), [Commercial Vehicle Accidents](https://news.bartdurham.com/blog/tag/commercial-vehicle-accidents) [Do These 5 Things After a Big Truck Wreck](https://news.bartdurham.com/blog/2017/06/do-these-5-things-after-a-big-truck-wreck) [Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 01/31/2025 [Car Accidents](https://news.bartdurham.com/blog/tag/car-accidents), [Drunk Driving Accidents](https://news.bartdurham.com/blog/tag/drunk-driving-accidents), [Fatal Accidents](https://news.bartdurham.com/blog/tag/fatal-accidents), [Accident](https://news.bartdurham.com/blog/tag/accident) [Common Car Accidents (And Who's at Fault)](https://news.bartdurham.com/blog/common-car-accidents-and-whos-at-fault) [Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 12/08/2023 [Driver Negligence](https://news.bartdurham.com/blog/tag/driver-negligence), [Fatal Accidents](https://news.bartdurham.com/blog/tag/fatal-accidents), [Kentucky](https://news.bartdurham.com/blog/tag/kentucky), [Tennessee](https://news.bartdurham.com/blog/tag/tennessee), [Big Truck Accidents](https://news.bartdurham.com/blog/tag/big-truck-accidents), [New Car](https://news.bartdurham.com/blog/tag/new-car), [Distracted Driving](https://news.bartdurham.com/blog/tag/distracted-driving), [Personal Injury Lawyer](https://news.bartdurham.com/blog/tag/personal-injury-lawyer), [Commercial Vehicle Accidents](https://news.bartdurham.com/blog/tag/commercial-vehicle-accidents) [Wrecks with Delivery Drivers Require Personal Injury Professionals](https://news.bartdurham.com/blog/wrecks-with-delivery-drivers-require-personal-injury-professionals) --- ![Bart Durham Injury Law](https://news.bartdurham.com/hs-fs/hubfs/raw_assets/public/Bart_Durham_December2023/images/footer-logo.png?width=2680&name=footer-logo.png "Bart Durham Injury Law") Bart Durham Injury Law 406 11th Avenue North, Suite 200 Nashville, TN 37203 - [Toll Free: 800-844-1712](tel:800-844-1712) - [Phone: 615-242-9000](tel:615-242-9000) - Fax: ‍615-254-6562 - [Nashville Law Office Map](https://maps.app.goo.gl/TNSQJU4WHTovJQdN7) - [Kentucky Law Office Map](https://maps.app.goo.gl/feadMtHztUmSUpXm6) - [Toll Free: 800-844-1712](tel:800-844-1712) - [Phone: 615-242-9000](tel:615-242-9000) - Fax: ‍615-254-6562 - [Nashville Law Office Map](https://maps.app.goo.gl/TNSQJU4WHTovJQdN7) - [Kentucky Law Office Map](https://maps.app.goo.gl/feadMtHztUmSUpXm6) [Write a Review](https://www.locationrater.com/tp/5xloZz/) Tell us how we are doing. We are interested in your feedback. © 2023 by Bart Durham Injury Law. All rights reserved. [Disclaimer](https://bartdurham.com/disclaimer/) | [Kentucky Disclaimer](https://bartdurham.com/disclaimer-ky/) | [Site Map](https://bartdurham.com/sitemap) | [Privacy Policy](https://bartdurham.com/privacy-policy/) Some services may be performed by others. Horton - [Nashville Web Design](https://www.hortongroup.com/web-design) & [SEO Services](https://www.hortongroup.com/nashville-seo) [![Lawyers Of Distinction 2023](https://news.bartdurham.com/hubfs/raw_assets/public/Bart_Durham_December2023/images/BD-FOOTER-LOGO-1.png)](https://www.thelawyersofdistinction.com/profile/blair-durham/) [![Military Business](https://news.bartdurham.com/hubfs/raw_assets/public/Bart_Durham_December2023/images/BD-FOOTER-LOGO-2.png)](https://business.mybaseguide.com/business/bartdurhaminjurylaw_5655ed245c37) [![The National Trial Lawyers](https://news.bartdurham.com/hubfs/raw_assets/public/Bart_Durham_December2023/images/BD-FOOTER-LOGO-3.png)](http://thenationaltriallawyers.org/) [![Best Car Accident Lawyers in Nashville](https://news.bartdurham.com/hubfs/raw_assets/public/Bart_Durham_December2023/images/BD-FOOTER-LOGO-4.png)](https://www.forbes.com/advisor/legal/personal-injury/best-personal-injury-lawyers-nashville-tn/?award=best-personal-injury-lawyers-nashville-tn-award-2024-blair-p-durham) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Bart Durham Injury Law", "url" : "https://news.bartdurham.com/blog/author/bart-durham-injury-law" }, "dateModified" : "2019-06-03T18:33:29.959Z", "datePublished" : "2017-10-06T18:22:02.000Z", "headline" : "What is the difference between a co-pay and a deductible?", "mainEntityOfPage" : { "@id" : "https://news.bartdurham.com/blog/2017/10/what-is-the-difference-between-a-co-pay-and-a-deductible", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://news.bartdurham.com/hubfs/BD-VECTOR_MAIN-NAV-LOGO-WHITE.png" }, "name" : "Bart Durham Injury Law" } } ```