Quote:
Originally Posted by ZL9M2
Call the provider and ask them. You can find out prior to any procedure if and how it is covered. Same with specific medications. But with your income you can select a more comprehensive plan - with lower deductibles - and pay no more per month in premiums.
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This is not true. Providers are not the insurance company and they cannot tell you exctly what a patient's out of pocket will be. Obviously, provider offices try to be transparent but many times it backfires and patients blame the providers for lying. That is simply because when an insurance says a specific service is covered, that is not a guarantee of payment and that is listed on every approval. That is how the insurance companies are able to do a bait and switch and avoid lawsuits because it is in the fine print that approval or coverage has no connection with payments and patient responsibility.