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  1. J

    Why only a fraction of what i paid an out-of-network provider counted towards my deductible?

    @vladimirsurguy ok didn't realize this and this sucks... i thought it is like car insurance i can go whichever body shop i want and insurance will still pay (i mean, i expected the deductible and 30% copay but didn't expect it would be based on "allowable charge" not what i paid / what service...
  2. J

    Why only a fraction of what i paid an out-of-network provider counted towards my deductible?

    @kimmiediscovery certainly not getting check because i haven't reach my deductible. and seems like deductible only changed by $97.53.
  3. J

    Why only a fraction of what i paid an out-of-network provider counted towards my deductible?

    @sanctified112 so, when i get to the deductible and start the 30% co-pay, sticking with your example, i'll be only reimbursed 70%$80 instead of 70%$400?
  4. J

    Why only a fraction of what i paid an out-of-network provider counted towards my deductible?

    @sanctified112 ok i guess same thing happen with in-network, although difference is the insurance co works with the provider, they only pay the provider full price minus the discount. but in the case of out-of-network provider, the patient shoulder the difference between full price and what...
  5. J

    Why only a fraction of what i paid an out-of-network provider counted towards my deductible?

    Went to see a out-of-network psychologist which charged me $400 for a session (I paid already. And yes I know it's pricey but lets keep that out of the discussion). My insurance has a $1000 for out-of-network, after reaching deductible it will be a 30% co-pay. Submitted a claim it came back...
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