What is the difference between a copayment plan, deductible plan, and deductible HSA plan?
With a copayment plan, you pay a fixed dollar amount when you receive covered medical care, regardless of the type of treatment you receive. With a deductible plan, you pay a fixed dollar amount for certain services such as doctor visits and prescription drugs. However for other services you must meet the deductible before you will pay any copayment for services subject to the deductible. Your payment will vary depending on the treatment you receive, up to the amount of the deductible. Once your total medical costs for the calendar year meet your deductible, you'll pay a copayment for any additional covered services you receive. With a deductible HSA plan your payment will vary depending on the treatment you receive until your out-of-pocket dollars satisfy the deductible. Once the deductible is met, Kaiser will cover your treatment costs until the end of the calendar year.
For more information on deductibles, see the Understanding Deductible Plans Packet.


