In which health insurance model do members pay a copayment for each visit they make?

The model where members pay a copayment for each visit they make is associated with the Point of Service (POS) plan. In a POS health insurance model, members typically have the flexibility to choose between in-network and out-of-network providers, but this choice comes with different cost-sharing responsibilities. When a member uses an in-network provider, they often face lower out-of-pocket costs, including copayments for services such as doctor visits.

This payment structure incentivizes members to seek care from network providers while still allowing them the option to go out of network, albeit at a higher cost. The copayment is a fixed amount that members pay directly to the healthcare provider at the time of service, making it simpler for individuals to budget for their health expenses.

In contrast, other models like HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and EPO (Exclusive Provider Organization) have different structures and cost-sharing arrangements that do not focus on copayments for visits in the same manner as a POS plan. For example, HMO plans typically require members to choose a primary care physician and manage all their referrals through that designated provider, often without copayments for certain services, while PPOs generally allow more flexibility at the cost of higher