My husband's has no deductible and we pay a flat $15 copay for office visit and 0 for labs. Our babies cost the $15 office visit co-pay when I found out I was pregnant. That's it. When I had breast cancer, each $20k chemo treatment was $25 co-pay since it's a specialist visit. I know most aren't that good but when the ASD guy found out what else we had, he also recommended we decline the district's. Now if I could just get them to give me even a portion of the money I save them by not taking it.... Hmmm. Yea, I know that's not happening but it'd sure be nice.