Posted by noa on January 17, 2002, at 18:06:06
In reply to Noa - Insurance Question, posted by mair on January 17, 2002, at 8:12:53
Mair, Yes I can go out of plan, pay up front and get reimbursed. BUT, the "usual and customary fee" according to the insurance company is only a fraction of what the professionals actually charge. It is a terrible situation. I can't say I blame the doctors for not working with the insurance companies anymore. It is slave wages and a lot of headache. The insurance companies enticed a lot of professionals to sign on, promising referrals, lots of them. My psychologist told me that despite their promises, he has never, in the 15 years of working with my insurance company, gotten a single referral from them. But he has to do their paper work and accept their rates, which at present are about 55% of his normal fee. And, they delay paying a lot, and make mistakes in the bills that he has to contact them about correcting, etc. etc. As of 2002, he ended his relationship with them.
At this point, I am a bit more secure, financially, than I was when I first inquired with those pdocs, so I can deal with the fees.