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Because it is provided for in the contract of insurance (policy) in which you entered. If the information that there was a co-pay (or a deductible) is NOT in your insurance contract, or was not made clear to you at the time you entered into the contract, then that could very well constitute a crime.

If you believe you were defrauded by a company then you should cancel your health insurance policy and contact your State's Insurance Commissioner at once.

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Q: Why is copay on health insurance not a crime since you already pay monthly payments to the insurance company?
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