Please remember that insurance is considered a method of reimbursing the patient for fees paid to the doctor and is not a substitute for payment. Any financial benefits that you may receive from your insurance carrier are a matter of settlement between you and the insurance carrier. We participate in various PPO and HMO programs including the Medicare insurance program. Many insurance companies now have primary care physicians and strict guidelines requiring precertification for office visits, physical therapy, lab tests and surgery. If you fall into this category, please notify the nurse immediately if the doctor recommends any of these things.