Are co-pays considered uninsured health care costs? I ask because I do not think I am suppose to keep covering all of the co-pays for our kids. When she goes out of network, they of course go up. I can see things like braces, glasses, and contact lenses, but I think she is suppose to at least pay that on her own if I am paying the premium. Are agreement says premium and all uninsured health care cost which makes me think of procedures that the health care plan may not cover.