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@davecave Are you covering any dependents? If so, will they also be covered under your Cobra plan?

@resjudicata This is an INSANE generalization, I wouldn't rely on it. Is this just coming from your experience with one employer's plan?

@holl Nobody can answer this for you. It entirely depends on how the employer/insurance company set it up. There's 3 possible setups: INN applies to both INN and OON (in-network applies to OON) OON applies to both OON and INN (out of network applies to INN) INN and OON cross apply (both...

@downtherabbithole When a provider is in-network, they're contractually obligated and can't charge any more than the allowed amount. When a provider is out-of-network, there's no contract. Your doctor can LITERALLY charge WHATEVER they want. 10 minute office visit? They could charge you...

@downtherabbithole Sounds like a balance billing issue For out of network care, providers can bill whatever they want. Your insurance plan isn't going encourage them inflating their prices, so they have schedules to determine what's "usual and customary" or "reasonable and customary". Simple...