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you agree to accept what is allowed by the insurance co

You are asking if the insurance company will remit payment directly to the physician's office. Some physician's offices will file your insurance directly and some will not. Those offices that file for you will have the payment sent to them first (assuming that you do not get rejected). After they get paid, you, the patient, will get billed the remaining balance.

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Q: What is meant by 'accepting assignment of benefits'?
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