What is a typical service that you only pay $25? This year I had two shoulder injuries. I paid for every single thing (doctor visits, X-Ray, MRI, Physical Therapy).

For my family, annual screenings are around a $40 copay (no other bills after). I think I paid that for some age related screenings.

I only go to the doctor for the kids. So checkups, vaccines, ear infections, minor injuries, etc.