Co-pay is a flat fee paid by a patient in order to access healthcare services.

Co-pay accumulator is a feature within an insurance plan where a manufacturer’s payments do not count toward the patient’s deductible and out-of-pocket maximum.

The manufacturer co-pay card funds prescriptions until the maximum value on the card is reached.

After that, the patient’s out-of-pocket costs begin counting toward their annual deductible and out-of-pocket cost maximum.

This can either be a co-pay accumulator or co-pay maximizer.

A co-pay card, sometimes called a co-pay coupon, is financial assistance that helps patients with insurance afford prescription medications by covering part or all of a member’s deductible and co-pay.