What is the cost-sharing percentage for patients in catastrophic coverage?

In the context of catastrophic coverage, the correct understanding is that patients typically do not face copayments for covered services after reaching their out-of-pocket maximum. This means that once an individual has paid out a specified amount for their healthcare (known as the out-of-pocket limit), they are not required to pay copays for future services. Instead, they will have their costs covered fully.

This coverage is designed to protect patients from extremely high costs, ensuring that in case of serious illness or injury, they will not face high out-of-pocket expenses after their deductible is met. Therefore, the indication that there are no copays during this stage of coverage is accurate and reflects the intent of catastrophic plans to ease the financial burden on patients in significant health crises.

The implications of the other answer options stem from specific rules associated with different types of plans, which do require patient cost-sharing in various forms, but catastrophic coverage uniquely prioritizes protection against exorbitant healthcare costs.