Understanding Copay and Patient Responsibility at Finni

Understanding copays and other out-of-pocket responsibilities can feel overwhelming, especially when dealing with different services, timelines, and insurance policies. This article breaks down what a copay is, why it exists, and how Finni handles patient responsibility. We’ll also answer common questions about payment timing, variable copay amounts, and what to do if you’re concerned about affordability or billing errors.

You can also find a link to a handy 1-pager that explains copays & client responsibility to use when having these conversations with families and caregivers here

What is a copay?

A copay (or copayment) is a fixed amount set by your insurance company that you pay for a health care service. For example, you may have a $20 copay for each session.

Why do I have to pay a copay if I have insurance?

Insurance often doesn’t cover 100% of care. The copay is your share of the cost and is required by your insurance plan, not the provider.

How copays/patient responsibilities work at Finni 

Patient responsibilities are itemized by date of service and procedure code. Items are sent at the end of each month, after we receive the explanation of benefits from their insurance company. There is not a set timeline. Insurance company processing timelines are not created equally, and if we had to rework the claim, that can create a delay.

When do I need to pay my copay?

All patient balances are collected after insurance responds to the claims, via invoices sent by email. Finni will send an invoice to collect any applicable copay at that time, the invoice will come from billing@finnihealth.com.

At Finni, we file claims with your insurance first to determine your full responsibility based on what your insurance has applied to your deductible or out-of-pocket maximums. ABA therapy totals can add up quickly, especially if you’re receiving other therapy services outside of Finni. We find it’s best practice to let the insurance process the claim first, rather than potentially creating unnecessary credits.

Do I have to pay a copay for every session?

Usually, yes. Many insurance plans require a copay for each date of service, including therapy sessions, assessments, or caregiver training appointments.

The payer determines whether a copy is assessed by day or by visit. Most times for ABA, if the session is billed under the same provider (BCBA for most commercial payers), then one copay is assessed, but that can vary by policy.

Why is my copay different for some visits?

Your copay can vary depending on the type of service or the provider’s role (e.g., therapist vs. specialist). If you're unsure why a copay amount changed, we recommend checking directly with your insurance.

Is my copay the same as my deductible or coinsurance?

No — they’re different:

• Copay = fixed amount per visit (e.g., $20)

• Deductible = amount you must pay before your insurance starts covering services

• Coinsurance = percentage you pay after meeting your deductible

Why do I have a copay for telehealth or parent training?

Some insurance plans treat these the same as in-person care and apply the usual copay. It depends on your individual policy.

I already paid my copay — why am I getting another bill?

Sometimes, after the claim is processed, the insurance company may adjust what you owe. If you’re ever unsure, reach out to our billing team and we’ll walk you through it.

What if I can’t afford the copay?

We are willing to work with you on a low-cost monthly payment agreement. Please reach out to us at billing@finnihealth.com to discuss your options.

Who do I contact if I think there's a mistake with my copay?

Contact our billing team if you have questions at billing@finnihealth.com. We’ll help you sort it out.

Will I receive a receipt?

Yes, receipts for invoices will be sent from quickbooks@notification.intuit.com.