CVS SPECIALTY USES COPAY ACCUMULATORS. This means that your copay coupon will count towards your deductible. I asked them to remove the copay card and they told me they did several times. They have been billing both my insurance and the copay for six months. Copay accumulators should be illegal. They are getting paid twice and I get credit for nothing to my deductible. User's recommendation: Do not add a copay card to account. Get refund yourself.