A person who provides health care commits abuse of health insurance, if, as a regular business practice, he knowingly accepts from any third - party payor, as payment in full for services rendered, the amount the third - party payor covers, or submits a fee to a third - party payor which is higher than the fee he has agreed to accept from the insured with the understanding of waiving the required deductible or co - payment, if the effect of either business practice is to eliminate the need for payment by the insured of any required deductible or co - payment applicable in the insured's health benefit plan. Abuse of health insurance is a Class 1 misdemeanor.
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