However, a person may waive any required deductible or co-payment for charitable purposes if:
(1) The person who provides the health care determines that the services are necessary for the immediate health and welfare of the insured;
(2) The waiver is made on a case-by-case basis and the person who provides the health care determines that payment of the deductible or co-payment would create a substantial financial hardship for the insured; and
(3) The waiver is not a regular business practice of the person who provides the health care.