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Copay vs coinsurance

A copay is often a flat amount for a visit type. Coinsurance is often a percentage of the allowed amount after deductible rules. Your EOB may list both.

Why both appear

One visit can include a copay for the office visit and coinsurance for procedures or facility fees.

Photo your bill or EOB

Free one-line preview, then unlock the full understand + respond pack: plain English, next steps, and calm call/email scripts. Educational only—not legal, medical, or financial advice.

Photo every page of your bill or EOB

Multi-page EOBs are normal — add all pages (up to 10). Photos work best; PDFs with text are supported too.

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