So far my I have attempted 1 seminar. Talked to a doc out of network and found out when I choose out of network my insurance pays 10%. Gotta love insurance! So I have decided to check in network on docs and have been quoted overr the phone from 13k to 16k, and insurance won't pay any of it, so I will have to finance ..... I am still making calls to in network docs and I have an appt with Dr Eric Pham on 8/29. He does procedures in Orange and Irvine. The are no in network docs in the High Desert where I live. I hate to have to drive so far, but it won't be every day, so I will deal with it.