We love Dr Young but as a State of CT employee our yearly vision checkups are exempt from the $15.00 copay. If this is still correct, once you receive the payment, would you please send the $15.00 back to us. On our insurance card the copay information reads 0/15 which means for certain visits there is $0 copay and other visits there is a $15 copay. I know this is confusing for everyone involved. Dr Young is the best eye doctor we have ever been to. I extol his expertise to everyone I know. He is so knowledgeable and shares it so freely. We love that he takes his time to explain every detail.