If the insurance company is just handing you more of the bill, what good is having health insurance?  By making patients take longer to meet their annual deductibles, copay accumulators reduce the number of days each year that insurers are required to fully cover a patient’s health-care expenses. Patients should ask their health insurer how it will apply copay coupons to their annual deductible and demand to know where in their contract they agreed to let the insurance company change how they handle copay coupons mid-year.

Read more here.