State RegulationsOH specificDifficulty 1/5
In HIC coverage, a copayment is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A copayment is a fixed, per-service dollar contribution required from the member at the time of a covered service — for example, a set amount at each physician office visit — and it operates alongside the prepaid premium under the HIC model governed by Ohio Revised Code Chapter 1751. Distinguishing copayments from coinsurance, deductibles, and premiums matters because the HIC's cost-sharing design uses fixed point-of-service charges supervised within the framework administered by the Ohio Department of Insurance.
Why the other options are wrong
- B) A percentage of covered charges after the deductible is coinsurance, not a copayment.
- C) An annual amount paid before benefits begin is a deductible, not a copayment.
- D) The periodic charge for maintaining coverage is the premium; the copayment is a separate per-service charge.
Memory hook
Copay = a fixed flat fee at the counter, per service, every time.