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insurance question....in network vs. out of network?
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Daisy32
Mommy
Member since 2/08 8081 total posts
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insurance question....in network vs. out of network?
Hi all...I'm getting so confused with all this (again). We have a lifetime max of $10k. Does if get used faster if we use an out-of-network dr as opposed to an in-network? How does that work? I thought I remembered reading (or hearing) that out of network will use up the lifetime max quicker. If anyone can shed some light - I'd be so grateful  Thanks
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Posted 11/27/12 3:14 PM  |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
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Re: insurance question....in network vs. out of network?
Yes, an OON provider will charge more than an in-network dr since the in-network are required to charge pre-negotiated rates. Plus, when you're in-network you'll likely pay co-pays most of the time, rather than the full amount of the visit.
With fertility treatments, there are often lots of additional costs, so it's much better to stay in-network if you have coverage.
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| Posted 11/27/12 4:05 PM |
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cateyemm
Twins!
Member since 7/10 8027 total posts
Name:
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Re: insurance question....in network vs. out of network?
Posted by NYCGirl80
Yes, an OON provider will charge more than an in-network dr since the in-network are required to charge pre-negotiated rates. Plus, when you're in-network you'll likely pay co-pays most of the time, rather than the full amount of the visit.
With fertility treatments, there are often lots of additional costs, so it's much better to stay in-network if you have coverage.
yup
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| Posted 11/27/12 4:08 PM |
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