Let it never be said that American health care doesn't have a heart. /s Northwestern Health Care. My co-pay for a doctor visit is $115.83. "Can't pay all at once? Make 5 easy payments of $25.". That works out to $125 total, which is a 30.69% interest loan compounded daily for 5 months. Good thing I can pay now... They tried loan sharking me on my hospital co-pay too. Wonder what people with more serious health problems are doing....