And technically, Ts aren't supposed to accept a copay that is less than what the client is "supposed" to pay (according to insurance), because they have contracted with the insurance company for a particular rate that includes whatever the client's portion is. The T can make an exception in cases of financial hardship, but the reason for this needs to be documented.

I'm curious too,why you and your H are angry about all Ts salaries. Are you also angry about other professionals' salaries? (I ask curiously, not,accusingly.)