I'm very confused about how the copay work and co insurance. If a patient has a $40 copay and they pay it at the time of service. let say you bill cigna $60 for 90806, then cigna pays their 80% and the 20% left is still the patient's responsibility right. The patient has to pay the copay at the time of service plus the co insurance after cigna has paid its portion right. Am I correct or noI'm new to billing and have a lot of questions