A copay is a fixed fee you pay for access to healthcare services, similar to buying a movie ticket. It covers the office visit itself (seeing the movie) but typically doesn’t include additional tests or treatments (popcorn, candy, etc.). Different types of copays exist for things like doctor visits, prescriptions, or emergency room care, and the amount varies based on your specific insurance plan. And, if you ever forget what your copay amounts are, most insurance companies list them directly on your ID card for easy reference.