If we participate with your current insurance carrier and the service performed is a covered benefit, we will accept the amount your carrier deems reasonable or allowable. If our charge is greater than the reasonable amount determined by your insurance, as participating providers, we will reduce our charge to the reasonable amount. Your responsibility may be a co-payment (a fixed dollar amount per visit) or co-insurance (a percentage of the reasonable amount), and all deductibles must be paid at the time of service.