Which Statement Best Describes the Practice of Physicians Waiving Co-Payments

Which statement best describes the practice of physicians waiving co-payments required by insurance companies?

A) The practice may violate insurers' policies if done routinely.
B) The practice is the best and most humane way to treat needy patients.
C) The practice is encouraged by insurance companies.
D) The practice encourages patients to take advantage of the medical payment system.