To tylko propozycja. Proszę spojrzeć na cytat, pochodzący z zamieszczonego linka:

"...Payment for all deductibles, co-payments, and outstanding balances are expected at the time of service. Upon the completion of your visit, all in-network claims are submitted to your insurance carrier. If your claim is for out-of-network services, we will submit a “courtesy” claim submission for you as well. As a reminder, since we submit a “courtesy” claim on your behalf, patients using their out-of-network benefits will have all insurance payments sent directly to them..."

"courtesy" znaczy że robią to z grzeczności dla klienta ..

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FILING INSURANCE CLAIMS IS A COURTESY SERVICE AND IN NO WAY RELIEVES YOU OF THE RESPONSIBILITY FOR YOUR BILL. - http://www.hearinginfo.net/patient_info.pdf

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While the filing of insurance claims is a courtesy that we extend to you, all charges are ultimately your responsibility from the date the initial services are rendered. - http://www.medwesteye.com/insurance-filing-policy