NCB
“Not really. The original comment I made was referring…”
So one of several reasons wasnt rational not all of them.
You still seem to be unsure about, the copay issue “I don’t see why…”
You are probably right. There certainly is some way to set up a fund to reimburse deductibles without technically being insurance fraud. A simpler way is to send a bill but not collect (though i’m not sure if the bill is paid if they can refuse payment). This is an issue, that must be considered.
There are other issues as well. IF you think this is a bigger issue, or even the only one fine. But to say there is no room for any discussion and no “rational reason” to oppose it is a bit short sighted.