What is a common requirement for a health insurance policyholder when visiting a doctor?

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A co-payment is a common requirement for a health insurance policyholder when visiting a doctor because it is a fixed amount that the insured pays for specific services at the time of the visit. This practice helps share the costs between the insurer and policyholder, providing a straightforward way for patients to manage their out-of-pocket expenses while also ensuring that insurance companies can control costs and discourage unnecessary medical visits.

Premium payments are typically made on a regular basis, such as monthly or annually, to maintain the insurance policy but are not specifically required at the time of a doctor's visit. Deductible payments represent the amount a policyholder must pay out-of-pocket before their insurance begins to cover costs, but they usually apply to a broader set of medical expenses rather than being a direct requirement for each visit. Preventive requirements often relate to policy mandates for certain types of care or screenings but are not a direct out-of-pocket requirement for each consultation or service received from a healthcare provider.

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