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Reply to "Federal insurance that pays out of network?"

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[quote=Anonymous][quote=Anonymous]GEHA standard (united healthcare) covers 65% of the allowable amount (you can be balance billed for the rest.) There isn't a separate oon deductible. The regular one is $750 for self+family. The annual OON (auth. amount) out of pocket max is $7k

But.... GEHA is a customer service toothache. Preauth is needed for all imaging and PT, labs are only covered 100% if drawn at Labcorp or quest.

I like the OON coverage (and lower premiums), but there are areas they are seriously in need of improvement. [/quote]

GEHA high. Definitely. We are OON for four family members on MH care with them.  I did a lot of research and calling different insurance companies companies on just this issue. 80% reimbursement OON, with no limit on things like therapy.  No preauthorization.  $7k out of pocket cap.  They also have higher than average reimbursement rates-- for example $150/ hour this year for therapy. I believe it is around $180 half/hour for psychiatrist. I have never had an invoice questioned, and they process and reimburse quickly.

GEHA high is expensive ($263 per pay period for self plus family)-- but if you do a lot of OON care, you come out way ahead. [/quote]

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