Health insurance is not so easy and that is why most people don’t have clears idea about the intricacies of a health insurance plan. For example, some people have to disburse co-pay in time of visiting doctors while others haven’t. Both of them have health insurance plan but then what makes for the difference ? The reason lies in the fact that their insurance plans are not the same.

In most of the cases, your employer will provide you health insurance plans. They will pay the greater portion of monthly or annual premium. When you go to a physician, you may be asked to pay co-pay. It is nothing but a small payment for the purpose of treatment.