I think most insurance pays (or not) per doc visits, procedures, tests, etc regardless of where they take place, as long as the facility accepts that particular insurance. However, if it's the type of insurance that requires everything be done in a specific network unless they give authorization to go elsewhere (such as a Medicare Advantage plan) you have to be sure that you go to a network facility. And if he has regular Medicare, he may also have a Medicare Supplement which picks up all or part of the 20% of charges Medicare doesn't pay. Can you find out exactly what insurance your dad has? Then you can look online to find out what it covers and where.