<prompt> Human: So I recently got surgery on my knee, and Ive been shopping around for a physical therapist office post-op. One of the places I called to see if they were covered under my insurance said that they would charge me my in-network copay 40 rather than my out-of-network price not sure how much, but probably more expensive OON than IN. If its the same price, that should be fine, right? Am I missing anything?Thanks for reading!  <response>: The important thing isnt will they charge the same copay. The important question is do they agree to accept what your insurance gives them as full payment. 