In-Network Providers: No. If your doctor or facility are in-network your doctor will file your claim. Once your claim is paid, any money left over will be sent directly to you. Out-Of-Network Providers: Maybe. If your doctor or facility is out-of-network you may get a larger check back if you pay “cash” up-front and have Concierge file a claim for your reimbursement. Our concierge team will help you make the choice that is right for you!