Reply to Insurance with $20,000 Deductible?!

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Some specialists---like child psychiatrists-- don't take insurance at all, as pp noted.

But Inova is a big system, I'm curious about the specialists who aren't in network. Because they sell this to their employees as more like an hmo and one of the selling points is how varied the network is. [/quote]
Well....do a search on a specialty, and there will be (admittedly rare) instances where it comes up saying, "no in-network specialist." [/quote]

Please provide us with an example of this, because so far I haven't found any specialties without providers in the Innovation network.[/quote]
OP here. I will work on it. As I said, it's uncommon, but it does occur. I'll get back with an example.[/quote]
I'm back. Here's one: urogynecologist. I have no idea what they would treat that a urologist or gynecologist would not, but if a customer needed that specialty, they would have to go out of network and pay the first $20,000 on their own. (Naturally, they wouldn't select this plan if they knew they needed that specialist, but things change....)

I have to go bsck to work and can't keep looking, but it has also been reported that psychiatrists is a common specialty missing from exchange plans, too. I don't know about this particular one. (Other than that single specialty I found, they DO seem to have robust coverage, and Innova is definitely a big system.)

[/quote]

None are listed under urogynecology, but they actually do have some in-network. For instance, there is Dr. Maria Canter in Reston, she's listed in the provider list under gynecology but she's actually a urogynecologist.[/quote]
Ah! You are as good a detective as I. I actually called her office to verify, and she said she does NOT accept that plan - she dropped it and they didn't update the directory. There was a other one, too - same situation - used to accept the plan. She dropped it. So that brings up another question. What if you're someone who needs a urogynecolgist, check the plan at the start of the year and you have a couple of options, but then they drop out. You are then left with no in-network option. The main point is that you can't count on all your health needs being paid for, even if you have insurance. That wouldn't be a problem for smallish expenses, but what if you needed surgery? Basically, you could buy insurance and still go bankrupt. That was something ObamacRe was supposed to fix.[/quote]

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