If an employee has a High Deductible Health Plan (HDHP), they will have after deductible copays.
Copays for High Deductible Health Plans (HDHPs) work a little different from other types of plans. Typically with HDHPs, employees must meet their deductible before the carrier will pay for any services other than preventative care.
This means that if they have an HDHP with a $3,000 deductible and a $20 copay for primary care, they may have to meet the entire deductible before the copay will apply. This is why HDHPs are often paired with health savings accounts (HSAs) — the pretax contributions help offset the $3,000 deductible amount that they’ll pay out-of-pocket before their copay can apply.