How much do you pay for copay at a doctor visit? I'm home today because the 14 yo is sick, called the dr. and she can see her at 11:30. I have a $20 copay, which I think is reasonable. A specialist is $30. I pay $115 every 2 weeks with my work insurance, but I'm HMO. I never have a problem with them, if I need to go see a provider on my network they call and make the appointment for me, thus the insurance covering it. I love my doctor, she always gets us in when needed.