For Patients

SEFA Office Policy FAQ

What is a co-pay?

A co-payment or co-pay is a payment defined in the insurance policy and paid by the insured person each time a medical service is accessed. It is a flat amount owed by the patient. Providers have a contractual obligation to collect the co-pay at the time of service.

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What is the difference between a primary-care and a specialist co-pay?

A specialist co-pay is generally higher than a family physician co-pay.

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What is a deductible?

In an insurance policy, the deductible is the amount of expenses that must be paid “out of pocket” before an insurer will pay any expenses.

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