I’ve found copays highly varied depending on the doctor practice and your insurance. Kaiser is very strict. With HMOs, the Doctors also tend to be more strict. With PPOs, the Doctors offices are a little more careless with collecting or billing.

Other specialty practices will vary depending on the organization level of the office. The larger the practice the more likely to collect.

Finally, the larger the copay, the more likely the office is to collect.

Mid-year the company I work for switched their prescription coverage to a new provider. Tier 1 copay $10, Tier 2 copay $20, Tier 3 copay 50%. Basically any brand name falls into Tier 3 now.