When I called the doc I realized the nurse telling me to pay $100 at the first visit and she said something else but I quite didn't understand. I waited the whole weekend and called back on Monday, what she said was the final visit I'll have to pay $3900 out of pocket! What the hell? Basicly my insurance covers the surgery but the doc wants $4000 out of pocket that they won't except insurance. I was confused and hurt. So I canciled my appointment and found another doc (Dr Shina). Come to find out they don't charge no phy fee everything is covered by insurance the only thing you'll have to pay is your insurance co-pay :clap2:. I was about to give up until something told me to give it another try. I feel that if I have insurance why should I have to come out of pocket. The first doc the first step is to go to the seminar then mail your paperwork then they'll call you, no complants there because they were super fast! But this second doc the semiar, paperwork. and the first doc visit and a few other things are all included so that way you don't have to go back and forth. I like that way the best. Tuesday Nov 7 is my appointment with the new doc I hope my insurance acts ok with this so that way I can get my surgery the begin of the year. I'll be back Tuesday night and let you know the outcome of my appointment.:scared: