Complex sentence: It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care however, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.
Split into simpler sentences: It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Most policies, however, do not apply co-pays for doctor's visits or prescriptions against your deductible.