No, you do not have to pay everything up front. You will have a couple options whenever paying for a visit or procedure.  You can pay it and submit the paid in full receipt to us for processing OR you can simply call a number on your membership card and ask our staff to pay for your visit or procedure over the phone.  We will pay for it and then look to get reimbursed from you for whatever your portion is or if you pay it and we owe you money, we’ll reimburse you within 7 days.  We never make you wait for months to be reimbursed by us and we never expect you to pay any dollar amount out of your pocket over and beyond what you can easily afford to “float” a week until you get reimbursed.  You set that dollar amount threshold of how much is too much for you to pay and wait to get back from us.  Each member is different.