I called the insurance company to see if IOP gets extended into December what my copay will be (because my insurance resets in December. Currently I have met my out of pocket maximum for the year but in December I have to start all over again). Anyway, the copay for IOP is zero! I also asked for what the copay is for PHP (just to know) and it is also zero! So I am good whether IOP ends in November or December. So far my insurance has been really good about extending the days but IDK how much longer that they are going to do that. I guess they haven't really been giving the case manager a problem though. The insurance lady was super nice too. She even showed me where I could look it up online.