What differentiates deductibles from copayments in Wellcare plans?

The primary distinction between deductibles and copayments within Wellcare plans lies in their structure and when they are applied. Deductibles refer to the amount that a member must pay out-of-pocket for healthcare services before their insurance coverage starts to contribute. Until the deductible is met, the member is responsible for all the medical costs incurred.

On the other hand, copayments (or copays) are set fees that a member pays for specific services at the time of receiving care. This means that, unlike deductibles, which must be satisfied first before any benefits take effect, copayments are due at the time of service, regardless of whether the deductible has been met. Each type of service may have a different copayment, but this fee remains constant for a particular service as outlined in the plan.

Thus, option B accurately captures the essence of these two elements of healthcare costs, highlighting both the timing of when these payments are due and their fundamental differences in purpose and structure.