Dear XXXXXXXXXX,
Going primarily by your question, this depends purely on the terms and conditions listed in your Insurance terms.
But, what ever I can get from your question, you must be covered with such expenses. Therefore, YOU CAN ask the doctor to put her bill up with the insurance company for processing. You will need to follow the usual procedure that is normally adopted for claims.
I hope the above helps..
Regards,
Financial Advisor
Technical Analyst in Financial Markets -- Experience of more than 10 years in consulting