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This is probably a simplification. Normally if you use an out-of-network provider, the cost counts against your out-of-network deductible, which is significantl
by ksenzee 9y ago
This is probably a simplification. Normally if you use an out-of-network provider, the cost counts against your out-of-network deductible, which is significantly higher than your in-network deductible. So it may well be that his insurance would count this against his out-of-network deductible, which is so high that he would never reach it anyway.
- javadocmd 9y agoNo. In order to utilize your insurance plan's out-of-network services, the insurance company has to be in the loop. A cash-based system completely circumvents insurance.
- ksenzee 9y agoRight, you certainly have to loop in your insurance company, by filing a claim (which they won't pay, obviously).