What exactly does it mean if your insurance company says $45 or 25%co pay claim?

Question

I'm signing up for a new insurance and the deal is they pay , say $45 or 25% of co-pay . what exactly does that mean if I'm the medicine costs $100.

Answer 1

Sounds like you have a minimum copay of $45.

So your coverage is for 25%, but you're going to pay at least $45 no matter what.

(That's what it sounds like to me, of course, but check with your agent or insurer to be certain.)

Answer 2

Sounds like you have to pay whatever is more expensive.  So if your bill is $100.00, you will have to pay $45 instead of $25.  But if it's $500, you would have to pay $125 instead of the $45.

EDIT:

Check with your rep.