Quote:
Originally Posted by Thunder22
What is the monetary hit if you go out of network? Is it significant enough to risk the in-network guy? This is your spine and nervous system, it's not the time to skimp due to $$$$. If money isn't too big of an issue, I would schedule the surgery asap with the out of network guy and badger the insurance company later.
|
Well, apparently it is an expensive surgery... if covered insurance pays 80% and I pay 20%. My 20% is $7,500 which means the whole thing is $37,500! And to top it off the out of network surgeon I want is willing to do it pro bono and not charge me the extra! The in network of course would charge as normal. And I have absolutely no extra money in savings right now that isn't being used to pay all my bills and co-pays. (out of network costs $230 per visit!)