An insurance deductible is an amount you spend for healthcare before your insurance coverage begins to pay. You'll just owe your copay at the time of your immediate care see if you have actually satisfied your insurance deductible. The typical copay at immediate care is between $25 as well as $75, though this depends on your insurance coverage. It's the insurer who sets the copay, not the urgent treatment center. , if you're not certain what your copay is, you can call your insurance coverage service provider straight to discover.