Kit, that seems like kind of a problem. Do you have to meet a deductible every year? Like, pay full price for things before insurance starts kicking in money too? If you do and she isn't filing things properly with your insurance company, none of what you pay her will be counted toward your deductible. You'd basically be paying her cash out of pocket.

Paying co-pays after you met your out of pocket max is bad, but not having things count toward your deductible might be worse...