I ran into this recently...sad really...the docs now can't take cash from you if you hold an insurance policy was how it was told to me...
Depends on what kind of contract you have:
- if you have an 'indemnity' type contract (the type that pays X% of the 'usual and customary charges'), there is no reason why you cant pre-pay or pay above what the insurance covers. Those insurance contracts are basically between patient and insurance, the doc is just someone the patient directs payment to.
- if you have a PPO (preferred provider organization, usually has a fixed copay or a 80/20 split between insurance and patient) type contract, the doc is typically limited to whatever the contracted rate is.
- if you have an HMO, the doc is limited to whatever the contracted rate is.