Your insurance deductible is what you have to spend on covered services BEFORE insurance starts paying. With a $2,000 deductible, you pay full price (a.k.a. bloated insurance prices) on all visits, labs, imaging, prescriptions, and other services before insurance kicks in at a percentage.
Co-pays are what you pay after meeting the deductible — typically between 10% and 50% — but applied against bloated insurance prices. The co-pay can be equivalent to or much higher than the discounted cash price under a DPC membership. Example: an MRI at $3,000 with 20% co-pay after deductible is still $600, when the same MRI through our vendors is $300 or less.
