<prompt> Human: Hey Folks, I started going to a Chiropractor and when I was filling out the new patient forms I found it odd that the receptionist made a point the mention that if I receive a check from my insurance company Im agreeing to give it to them. Fast forward a few months and I received a check from my insurance company. It looks like they are billing for the services, and the insurance company is reimbursing me a percentage of what Im supposedly being billed by the Chiropractor, except the Chiropractor isnt billing me. They are only charging me my typical CoPay of 20This all sort of make me feel uncomfortable. Since the Office isnt actually billing me, this feels like its sort of Insurance Fraud? Any Suggestions?  <response>: Theyre submitting the claim as a non-participating out-of-network provider, indicating that theyve billed you the full amount for the visit at the time of service. The carrier processes this and reimburses you the total charge minus your co-pay. Theyre then asking you for this check. If they are out of network, this is a case of the chiro doing you a favor and saving you the hassle of laying out the full cost up-front then waiting for a reimbursement check to come. Theyre just asking for your co-pay, and then paying the remainder that you technically owed at time of service with the check.If theyre in-networkparticipating, this is a case of them gaming the system. Often, out-of-network reimbursement schedules are more generous than the in-network contracted rates. In-network docs sometimes bill as out-of-network in order to get paid more. Its a violation of their contract.Call the insurance carrier for confirmation of the situation now that you know whats going on in the background. 