Originally Posted by Curious

we used to have a clinic at the club...so i am used to how the insurance works.

if your insurance company gives you a printed list every year...most likey it isn't up to date. dr's drop or add companies all the time. or they will add your company. it doesn't cost them a penny to add. usually just a little paperwork.

don't be afraid to negotiate that 20%. many will take your normal office visit charge.