Yes, I intend to remain an in-network provider for most major PPO insurance plans and will bill your insurance directly for office visits (office visit charges are not included in your annual fee). I do not accept HMO insurance plans in my practice due to their restrictive nature. If the terms of your insurance plan require a co-pay, I am obligated to request payment at the time of service. Even if I am not a provider for your insurance plan, I will attempt to refer you to in-network physicians for any necessary consultations and to in-network facilities for diagnostic tests and hospitalizations as medically indicated. Those services will likely be covered by your insurance plan. My office will file your claims with Medicare, as well as with your supplemental insurer on your behalf, as required by law. For any patients who may have a Medicare Advantage plan, office visit fees will be the responsibility of the patient.