Copay: a fixed amount collected at each session, set by your plan. Deductible: an annual amount you pay out of pocket before insurance starts paying claims; some plans don’t apply the deductible to therapy, and it resets each plan year. Coinsurance: the percentage of the negotiated rate you pay The Mindful Lemon for each session after your deductible is met, if applicable. Out-of-pocket maximum: the most you’ll pay in a year for covered healthcare — once you reach it, your plan pays 100% of covered services.