When you are injured in a car wreck or other accident, the last thing you think is “I better go to a doctor that is covered by my insurance.” Unfortunately with insurance companies becoming less pro-patient and more pro-profit keeping this question top of mind is not your first priority if you’re hurt – but it could save you a lot of money.
Recently, the Tennesseean published an article about an injured patient that was advised to attend an Emergency Room for back pain. He did his due diligence and ensured that the ER that he was going to visit was “in network” and covered by his health insurance. However, what he did not realize was that the ER Doctor that attended to his care was “out-of-network”. After all was said and done, there was $1,900.00 owing in medical bills. How did this happen?
Many health insurance providers make deals with health care facilities and providers to be in the “network” of that insurance company. This means that services provided by those facilities or practitioners will be covered by the insurance. An “in-network” doctor provides these services to a patient and the insurance company pays the insured portion of the bill with the patient receiving a reduced bill.