from Forbes.com via TW
by Carolyn McClanahan April 29
Sad to admit that I never knew the definition of these words that impact my health money;
"An out-of-network provider is one which has not contracted with your insurancecompany for reimbursement at a negotiated rate. Some health plans, like HMOs, donot reimburse out-of-network providers at all, which means that as the patient, you would be responsible for the full amount charged by your doctor" 13, 2018
This fine, clear article gives me places to guard against costs from such out-of-network providers.
For instance: I've been asking "Do you take my insurance?" Instead I need to find out if the doctor or doctors, and what's may be done or suggested is "in my network???"
Turns out we should be asking if anything out of network is going to be done to us, if so, we have to insist on particulars, and WRITE EVERYTHING DOWN.
Then we have to do something I've tried in the past, that I always thought was ignored:
We have to write everywhere in advance that nothing is to be done by and no one is allowed to participate that's out of network."
She also wants us to stand guard against unknown doctors participating and ordering before we meet them, and to insist on all the pros and cons on unknown medicines and how long they might be in out lives. And much, much more.
If you get a chance, get a copy of Forbes and cut out this article. Maybe frame it?