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Short for “co-payment,” a copay is a fixed amount you pay for a care covered by your health insurance. Most doctors, clinics, hospitals and pharmacies will ask you to pay your copay right when you get the service. The amount of your copay depends on your specific health insurance and the particular kind of care you get. For example, your policy may specify one copay for generic drugs and another for brand-name ones, or one copay for your ordinary doctor and another for specialists. Depending on your insurance and the specific kind of care you need, you may have to pay a copay or a percentage of your total bill, called coinsurance.