With our coverage, we have very small co-pays, regardless of which medical group we choose–UCSD, Sharp, or Scripps (which is our favorite), or other.
Even if we choose a doctor or facility elsewhere, we’re still covered, and it has been our experience that all will bill you if you don’t pay the required co-pay up front. We’re so glad to have such great coverage, that we’re more than happy to meet that requirement.