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Practitioners Participating in Insurance Plans Most health insurance policies are structured to help you manage the costs of health care. Most plans accept a premium from you, invest that premium with other policy holder premiums, and manage the costs of care with those monies. Most plans have provisions to pay for physicians, psychologists, and counselors. Your co-payments, deductibles, or co-insurance may be different depending on whether your practitioner is a contracted provider for your insurance company. Practitioners, individually, decide whether they will contract with particular insurance companies based upon agreed fees, and timely payment practices by insurance companies. In most cases, your practitioner will, with your permission, file your charges in the office with your insurance company for the insurance company's portion of the payment.
Michelle Cochran, M.D.
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