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Health Insurance Build Charts

Office Copay: A fixed fee that you pay when you visit a doctor's office.  Usually, this benefit is available immediately upon policy issue and is not included in your deductible.  Plans with a lower premium also have a lower or no Office Copay.
Deductible:  The amount of covered charges you must pay before the insurance company starts paying.  The higher the deductible, the lower your premium will be.