Please bring all your insurance cards to every appointment and your driver’s license or equivalent ID to your first visit. We check insurance cards at every appointment as part of our determined effort to protect patients from full responsibility for a visit. If you are in fact are covered for the visit, your portion of the payment is determined by third party contracts which generally include a copay, an amount that is reimbursed directly by the third party, and a balance that is billed to the patient at the third party agreed rate called the negotiated rate.