@januaryjane , I have no idea how all the insurance works. I am blessed to have a husband that takes care of all that. I do know that The Mayo Clinic accepts patients with no insurance. They accept donations for specifically that and some specifically for their research. Just call whichever Mayo Clinic you are going to. Numbers are at their site. They will answer you questions on insurance and will tell you if you are eligible for an appointment. Sometimes they turn down patients for various reasons, but not for how or if you are able to pay.