Panorama Orthopedics does not make determinations about copays or coinsurance.

• A copay is a fixed amount—or a flat fee. A patient is responsible for paying with his or her own money (out of pocket) for certain services or medicines. Plans specify what this amount will be for a variety of health-related services, such as a doctor or specialist visit, emergency room visit, or prescription medications. Copays are determined by health insurance plans and are often printed on health insurance cards. It is the patient’s responsibility to pay his or her copay at the time of service.
• Coinsurance is a percentage of costs a patient is responsible for paying with his or her own money (out of pocket). Plans specify what this percentage will be for a variety of health-related services, such as a specialist visit, emergency room visit, or prescription medications. Because coinsurance is a percentage of total costs, it can be difficult to estimate and plan for in advance