text: You have to pay $40 each time you get a presciption filled, but there is no yearly minimum you have to reach in out of pocket expenses before the insurance kicks in.\n\nFor example, If you have a $50 deductible and $10 copay, you would have to pay $10 each time you got a presciption, but first you would have to spend $50 of your own money on presciptions.  Then you would pay just the $10 copay and the insurance would pick up the rest.\n\nDeductible is how much you have to spend of your own money before the insurance will cover anything.\n\nCopay is the portion you pay once the insurance starts covering costs.