Umm you can either sue them when you wake up or tell them thanks
To use your example, cede does mean to go. However, "recede" means to draw back or go back. Think of an ocean. What does the tide do at certain times? It recedes!
So re- is the best answer.
Answer:
a payment made by a beneficiary (especially for health services) in addition to that made by an insurer.
Explanation: