As part of your contract, either as an individual or as part of an employee group through your employer, you agree to pay a co-pay.  A copay is an agreed upon amount that you as the insured pay at the time of an event, either a doctors visit or prescription purchase.  Your insurance requires that it be collected and paid at the time of service, and the doctor's office or pharmacy has no control of this amount.  The doctor's office or pharmacy are usually under contract to collect this amount and are not permitted to waive these fees.

Brandt R Gibson, DPM
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Podiatrist, Neuropathy Doctor, Father of 11 and Founder of Mountain West Foot & Ankle Institute