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As insurance costs go up, employers cut back - sometimes reducing coverage, reducing financial support, or increasing deductibles and copayments .
Over 80% of in-hospital medical services had no copayment in June 2003, up from around 50% in June 2000.
A while ago, a nice pharmacy clerk informed me that the prescription drug I was taking was actually cheaper if I paid for it myself instead of paying my insurance plan's copayment .
The price consumers have to pay now is often higher than the insurance copayment they were responsible for when the drug was prescription-only.
The hotels then terminated the pact and for the first time imposed health care copayments for employee family members.
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