So, I landed a new job. Great pay, easy work. All's good, except now I'm looking at selecting for the company covered health plans. So the plan is as follows: $1500 Deductible 20% Coinsurance $5000 Payment Limit It's a PPO based plan. From what I've read, the deductible is the maximum amount that I pay, then it turns into Co-Pay. However, they also mentioned about having Copay instead of using deductible with In-Network doctors? I'm not exactly sure what I'm looking at right now. What I want, is to choose a doctor, don't exactly have a preference, whatever's in network is fine with me. But during doctor visits, only pay a Co-Pay not the full charge of services provided. Is this something not provided by PPOs?