It is always up to the doctors' discretion on how they will bill. Regardless of if the doctor is under the PPO network or recognizes your plan or not, they may have you pay for your treatment and services first, and then you would send in a claim and get reimbursed.
For more information, take a look at our blog: Direct Billing or Cash Payment Upfront?
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else