The insurance company has to have a bill from a doctor’s evaluation and treatment before they will allow money from the enrollment fee to cover part of the deductible. Doctors practicing Personal Medicine send the insurance company a bill with this information, then this part of the enrollment fee can be counted toward the patient’s deductible. Many doctors in Personal Medicine practices still collect the co-pay and charge the patient the amount not covered by their insurance company. Dr. Hansen-Smith considers that cost already paid by the patient, so the patient owes no more money to the doctor than the annual enrollment (or retainer) fee.