Lee 33, I don't know how your insurance works but, mine has a deductible that must be met and then has a coinsurance maximum for the year. I have paid my deductible and met my coinsurance maximum so, essentially, I owe nothing more this year. They always try to get me to pay the copay but, I refuse and ask them to call Blue Cross. Every time they give in. I guess they would rather lose the 40 bucks than have to deal with Blue Cross. I would assume you have met your maximums as well.