What do you think about the copayment problem?

What do you think about the copayment problem? Does this case present an ethical issue? If so, to which party (or parties)? If you could act as the ultimate authority in this situation, what would you do?
Please make a fact based argument and include your references. Limit your discussion to one page. Personal experiences may be discussed but keep the focus to the case in question. Please see Discussion Grading Rubrics on how you will be evaluated.
Use Trigon Blue Cross Blue Shield section of the attached.

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