Well this post is heads up for us vets. Especially on copay. Chaz had an appt at the VA in Buffalo so since we were there, I wanted to check my means. I went into retirement a couple of years ago so naturally my income dropped. Well anyways, talking to the guy and he informs me that I have $350 in collections. We finally figured out probably happened. When I went into the hospital Feb. 2017, i ended up having a $1300 copay. Unbeknownst to us, the minute I got that bill we had 120 days to pay in full. So since i also had my usual monthly drug bill for meds I just made made higher payments. So it did not get paid in full and went onto into collections. I was suppose to have gotten a letter of notification but never did. So if you ever get a bill you know you might have issues with, contact your VA because as long as you are on payment plan nothing will go to collections. We set are up for $25 but I will continue to make higher payments. If you keep a $5 balance this will keep you on the payment plan. If you get to 0 then payment plan stops and would have to start up the plan all over.