answer:First, of course you are liable for the co-payment. Your time is just as valuable as the doctor’s, but you are the one who went to him for advice. If he came to you, then you could charge him. It would have been extremely easy to call in advance and ask if he was qualified and willing to give you advice regarding alternatives to pharmaceuticals. This would have gotten you out of the wait, the co-payment, and the taking of a spot that someone else might have wanted. Second, just pay the $40.00. You can try doing what you plan to do, but it is a feeble protest over something fairly minor. Plus, you could wind up with a collection agency on your back if the doctor’s office decides that two can play the passive-aggressive game.