Health insurance plans that typically involve a co-pay for doctor visits are known as managed care plans, such as Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). In these plans, insured individuals pay a fixed co-payment amount at the time of the visit, which is a portion of the total cost for the service. This structure helps to reduce out-of-pocket expenses for routine care while encouraging the use of in-network providers.
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