Hi Deb,
I'm part of an HMO, and don't know how much advice I can give, but here goes. Maybe you could ask the Drs office to allow you to make payments, or maybe they will take what the ins. co pays as full pmt? Sometimes they will do that. It's just a thought and it might be worth asking. I would also try to call your carrier find out if there is a way around it. It does seem odd that they would not pay the doctor visit. Good luck and I hope that you get a response from someone that can help! God Bless.