- payment for charitable purposes permitted. However, a person may waive any required deductible or co - payment for charitable purposes if: (1) The person who provides the health care determines that the services are necessary for the immediate health and welfare of the insured; (2) The waiver is made on a case - by - case basis and the person who provides the health care determines that payment of the deductible or co - payment would create a substantial financial hardship for the insured; and (3) The waiver is not a regular business practice of the person who provides the health care.
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