Co-Pay

Co-pay (co-payment) is the agreed share of a covered medical bill that the insured patient pays themselves, while the insurer or TPA settles the balance. It is defined by the insurance policy — often a percentage of the claim, or applied specifically to categories such as senior citizens or particular room tiers.

Why it matters in a hospital

For the patient, the co-pay is the real number that matters at discharge — the gap between what the policy promises on paper and what the family actually has to pay at the counter. For the hospital, cleanly separating the co-pay and any non-covered items from the insurer-payable portion of the bill is what keeps the counter collection and the insurer credit from getting tangled into one confusing total. Miscommunicating the co-pay amount — quoting one figure at admission and presenting a different one at discharge — is a common source of friction precisely because it lands at an emotionally difficult moment, right as the patient is trying to leave.

How Trisvio handles it

Trisvio does not have an insurance or TPA workflow, so co-pay calculation against a policy isn't something the system automates; a hospital handling co-pay today would work that figure out with the patient and insurer outside the system before recording the final payment against the bill. The final amount collected from the patient is then recorded against the bill like any other payment, keeping the billing ledger accurate even though the co-pay calculation itself happened outside the system.