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If the PT will not re-submit its bill under the code that would allow you to make a co-pay, you should ask your doctor to refer you to a private or independent PT so you can get the co-pay.
The doctor should understand the billing issue and accommodate you in order to allow you to receive the treatment at an affordable rate.
I have learned my lesson for the future; but I don't know what to do about the $800.00 the "Hospital" is charging me.
I have tried to get them to recode their billing, but they said that they are not a clinic, they are a Hospital, so can not adjust the billing.
Hospitals are very smug - and partly with good cause. They get stiffed SO much by people that cannot pay that people like you and me get charged more than we could have been charged had they used a more favorable coed - it is not illegal, but it is a way hospitals try to make up their losses.