Who is considered a co-payer in the context of Highmark?

In the context of Highmark and health insurance, a co-payer refers to a member who contributes a partial payment for a service received. This payment is typically a portion of the total cost of healthcare services, and it is often outlined in the member's insurance plan. The concept of co-payment emphasizes the shared responsibility between the insurance company and the member for healthcare costs.

This arrangement helps to manage healthcare utilization by encouraging members to consider the cost of services, and hence they often take a more active role in their healthcare decisions. It is a common practice in many health insurance plans as it balances the financial burden between the provider, the insurer, and the patient, ensuring that those who utilize health services also participate in the payment for those services.

The other options refer to roles that are not directly related to the direct cost-sharing aspect of health insurance, making them less relevant in this specific context of co-payment within Highmark.