Apy- I’m not following. In the case of a TRUE emergency, Chas vshalom, someone would refrain from calling for help because of a copay or deductible? I’m trying to picture situation where Chas vshalom, someone’s having a heart attack lo aleinu, and in response to “someone call hatzalah” the person gasps, “no, i didn’t meet my deductible”.
You are exactly right, in a TRUE emergency they wouldn’t. But I don’t think people discussing the theoretical side of this are able to discern the difference between an emergency, and an event warranting a call to hatzola.