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What else can I help you with?
Have you gone to an out-of-network doctor with Ternian insurance?
Do not get this insurance they won't pay.
What do you need to know when telling your doctor you are switching insurance?
Ask your doctor if he is part of the new insurance network that you are joining.
Will a doctor accept what an insurance would pay if the patient has no insurance?
Some do and some do not. You have to check with each individual doctor.
Will a doctor's office write off an amount that the insurance deems over the maximum billable amount that they allow?
Yes, if they are on the provider list. Yes ONLY IF they are obligated to do so under a network agreement. If your insurance company determines that procedure X should not exceed $100 and that is the maximum they will pay one of two things can happen. If the doctor is in the insurance companies network then they are likely obligated to accept that maximum amount and write off the difference. However, if the doctor has no such agreement they will bill you for the difference over and above the insurance reimbursement and you are obligated to pay it. That said, try to negotiate because there may be some room for compromise.
Can a doctor charge you more for the remainder if the insurance pays what it is worth?
The doctor bills insurance for your office visit. Insurance will pay the doctor their contracted rate and the rest is written off. if you are billed for charges after the insurance paid, call your insurance company.
What does 'a medical deductible' mean?
That is insurance terminology. It is a portion of a covered claim that the insurance company will not pay and that you have to pay to the doctor or hospital yourself.
Can you explain how out-of-network insurance works?
Out-of-network insurance allows you to see healthcare providers who are not in your insurance plan's network. You may have to pay more out of pocket for these services, as the insurance company will typically cover a lower percentage of the costs. It's important to check with your insurance company to understand the specific details of your out-of-network coverage.
I was terminated by my PCP for failing a drug test. How do I get another Doctor?
Find out from your insurance who else locally is on your network or takes your insurance.
What does in network medical insurance mean?
Your insurance (if an HMO or PPO plan - as most are) has a "network" of doctors/hospitals who have contracted with your insurer as participants in your specific plan. They are "in network" and using them means lower out-of-pocket costs for you.What you need to do is check out if your family doctor or any other doctor you have treated with are listed in the in-network doctors for your health plan. If not and considered out of network, you will pay more for each visit.With in-network, the health insurance has a "negotiated contract" and the doctors are only allowed to charge certain amounts and write off the rest of the bill. So say for instance you go to the family doctor and he charges $100, the contract price maybe $75, so that is all they can charge. But if this doctor is out of network, then you will be out of pocket for the entire $100, since they have no contract with this doctor.Many times if you have several choices to make in insurance plans, most people will verify if their family dr, OB, pediatrician etc is on that plan to decide which plan to take, or otherwise, you may have to change doctors to get the lower rates.The insurance company has agreements with certain doctors, hospitals, labs, etc... If you uses one that they have an agreement with then you are using providers that are 'in network.' No agreement....out of network. When you're out of network you have no protections on what the doctor can charge.
Can I go to the doctor without my insurance card?
Yes, you can go to the doctor without your insurance card, but you may have to pay for the visit upfront and then submit a claim to your insurance company for reimbursement.
How do I find a doctor in Phoenix?
You can find a doctor in Phoenix, Arizona through your health network, such as your HMO or PPO. These organizations can provide you doctors who are in your network and thus, covered by your insurance provider.
Can a doctor refuse to see a patient even though they have medical insurance making them pay in cash?
Yes, a doctor can refuse to see a patient even if they have medical insurance, depending on the policies of their practice and the specific circumstances. This could occur if the doctor is not in-network with the patient's insurance provider or if the patient has a history of non-payment or missed appointments. However, if a doctor refuses to see a patient, they must generally provide appropriate referrals or emergency care as needed.
