Reply to Carefirst out of network benefits suck / allowable charges racket

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Reply to "Carefirst out of network benefits suck / allowable charges racket"

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[quote=Anonymous][quote=Anonymous]1) This is how a PPO works. If you don't want to be paying out of pocket like this, you need to find an in-network provider. If you have trouble doing that, call the insurance company and ask for help doing so.

2) Most of us can't afford weekly therapy. If you are able to swing it at all with copays and deductibles etc, consider yourself very fortunate.

3) Of course you have to submit paperwork. That is also one of the benefits of using in-network providers; they handle billing. [/quote]

Thanks for your thoughts... but you miss my point. The money / paperwork isn't really the issue as much as their intent to screw over people as part of their published business model. Offering out of network services, but not really offering them, is what I'm talking about. My premium is higher because of out of network benefits, but they aren't really benefits. It's a scam and there's a smokescreen around what's really going on when you evaluate and sign up for insurance. They should be required to publish a list of their "allowed amounts" for all codes for that insurance plan. This extra disclosure would be helpful to both alerting people to the issue and also letting them decide if it's worth it.[/quote]

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