While your administration is adequate, your provisions for calculating the payable amount for a claim are not performed to benefit your clients. While your marketing brochure states there may be a deductible, as well as a copayment, your definition of a copayment is incorrect and misleading. First, a copayment is a specified dollar amount not a percentage of the charged amount. Second, a copayment charge stands alone, by itself, without any other charges accessed. These are standard insurance provisions that have been structured to your advantage and not your customers. You, to your customer's disadvantage, incorrectly process allocations of charges in processing a claim. You charge your copayment then you allocate charges to the plan deductible. This process only extends the dollar amount needed before the deductible is fulfilled. As already noted a "copayment" is never to be charged as well as a deductible on a claim. Additionally, you are charging coinsurance, not a copayment. You have taken the liberty to make up your definitions and process claims to your advantage, not your customers. I WILL NEVER REFER YOUR PLAN TO ANYONE. While you stand upon your representation that what you do is "legal", it is not in the interest of your customers.