We've never even considered using our insurance with any of of our doctors....since none of them take it. We have Blue Cross, but our pediatrician, Dr. Bob, we see him once a year and the rest of the year, we take the kids to a chiropractor who specializes in pediatrics and we pay her cash as well. Both of them give you receipts so you can be reimbursed, but it's nice to be a person, rather than a number. My chiro gives up a form and we just submit it, usually within 2 weeks, we have our money back. If she submitted it, it usually takes 1-3 months, so with us billing it, she dosesn't have to hire more help in the office to handle it and it keeps our costs down.