At least for the insurance I have had over the years the insurance caps are applied prior to the co-pay. In some bills you can see the charge, and how much the

At least for the insurance I have had over the years the insurance caps are applied prior to the co-pay. In some bills you can see the charge, and how much the insurance paid instead. My 1 week old was in a neonatal ICU for 2 weeks. This included an ambulance run from one city to another one 1 hour away because they original NICU didn't have the right equipment. Total bill was $97,000, insurance bumped it down to $68,000.