Pre COVID I tripped over something related. In some states insurance is required to cover telehealth (including mine). So I had a feel visit with my specialist

Pre COVID I tripped over something related. In some states insurance is required to cover telehealth (including mine). So I had a feel visit with my specialist but then after it turned out it wasn’t covered. I debated it with them and after much back and forth eventually discovered no, because I’m on an employer self funded plan (the majority of plans) state insurance laws don’t apply. Another good one is, go to most oncologists these days and you’ll expect to pay your co pay. What they won’t often tell you is that you’ll also be separately billed for what they call a “facility fee”. This can be anywhere from $180 to $450 and can obviously be quite a surprise. So your $20 copay can become anything up to $470 depending on your plan. Their justification for this is that they are “hospital based” even if they aren’t. And even if you might attend a cardiologist or neurologist in the same speciality building and they don’t charge facility fees. It’s just another way to extract more money from the system.