STS, not so sure of that. your theory implies that insurance companies that are currently working with it's members directly or indirectly, through their PCP's, and are approving coverage and reduction in Copay, is just out of the goodness of their hearts and just for some? Why are they currently doing it if they have no moral, legal, or financial interest in doing so? Please educate me on this theory of yours. It's exactly what they've done for many. I see a potential legal and financial liability as driving this decision more than the goodness of their heart theory. IMHO