The general term for your expenses (deductibles, coinsurance and copayments). For example, let’s say you have a Healthfirst plan with a deductible of $200, a copay of $15, and a coinsurance amount of 30%. Your copay is $15 every time you visit your doctor. The first time you go to the doctor, the bill (not including the copay) is $200. This means you will pay your deductible of $200 for that first visit. On the second visit, your bill is again $200. This time, since you’ve already paid your deductible, you will pay 30%, or $60, and Healthfirst will pay 70%, or $140.