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So, here's a question. If, after all your dentist has done for you that you perceive to be "above and beyond", you asked him to waive the co-pay (essentially involve himself in something close to insurance fraud AND accept a lower fee into the bargain) would you still feel so kindly towards him if he declined?

See, *co-pays* are a contractual agreement between insurance company/provider/ recipient. So, if a procedure (any procedure) amounts to, say, $1000 and the insurance company's obligation is 80% ($800), should I choose to "waive" the co-pay and accept $800 for my skill, ability and time, why wouldn't an honest person..... pitch my fee at $800 for everyone in the first place??

That'd be my line of thinking
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