Waiver of required deductible or co - 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. Source: SL 1989, ch 429 , § 2.