Reply to High Deductible Health Insurance Plan

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[quote=Anonymous]
When you need a surgery or a procedure make sure all providers are in network, which means anesthesiologist too, because they will send you a separate bill.  Usually a clinic doing the procedure will make sure to disclose this, and if any of their providers are out of network they will settle with you for whatever your insurance pays.  the hospital to get this reversed and covered.

Last year I had a colonoscopy where their staff anesthesiologist in network was out of office and they got a replacement one who was out of network.  They did disclose this beforehand and told me the doctor will take whatever my insurance pays and won't bill me extra, but scary bills get sent automatically.  I received a bill for 10K and sorted it out quickly by signing over the check insurance sends for out of network providers.  But sometimes they don't disclose.. this happened to me many years ago with a diff insurance plan when I gave birth to my first kid and received a huge bill my insurance rejected.  It took a year of constant back and forth to fix it. [/quote]

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