You will still need insurance to cover specialist referrals (if needed) and imaging, labs, other studies that are ordered. Maverick Medical will bill insurance for visits, but we do not ask the patient for more out-of-pocket than what the insurance pays for the visit. We are bound by insurance contract to charge deductibles/copays at the time of visit. The only fee due to Maverick is the monthly "Fee for Access," This eliminates surprise medical billing.