Patients who elect to pay a higher co-payment, greater coinsurance, or both, are most likely visiting a:

The choice referring to a non-participating provider, or nonPAR, is accurate because these providers do not have a contractual agreement with a specific insurance company. When patients seek care from a nonPAR provider, they typically face higher out-of-pocket costs. This includes higher co-payments and coinsurance amounts, as the insurance plans may provide reduced benefits or none at all for services rendered by non-participating providers.

Patients may choose to see a nonPAR doctor for various reasons, such as a preference for a specific healthcare provider who is outside their network or the need for specialized care. In situations where they are willing to pay more out-of-pocket, the expectation is that they may receive a higher level of service or specialized treatment not available within their insurance network.

In contrast, PAR providers have an agreement with insurance companies, which typically results in lower co-payments and coinsurance for patients. Similarly, primary care doctors and physician assistants can be either participating or non-participating providers, but the distinguishing factor in this question lies in the financial responsibility incurred by patients when they opt to visit a nonPAR provider.