Wife is evaluating her medical insurance change, and the new plan (Blue Shield California Gold Full PPO) has a 40% out of network coverage for non registered provider, with a allowable amount limitation.
Our acupuncture provider got burnt last year after I switch job, and almost didn't get paid, because the allowable amount and number of visit is so low that basically everything is going to be expired after deductible is paid for, and he is too nice to charge people before deductible. Prior to this insurance I worked at a place that has very nice insurance that paid for everything almost.
So, does anyone know how can we find out what the allowable amount per visit is (it is not anywhere I can find out without filing a claim)? Despite being PPO with 40% deductible out of network, this allowable amount will still limit how they will be paid and whether we will be covered or not.
Our acupuncture provider got burnt last year after I switch job, and almost didn't get paid, because the allowable amount and number of visit is so low that basically everything is going to be expired after deductible is paid for, and he is too nice to charge people before deductible. Prior to this insurance I worked at a place that has very nice insurance that paid for everything almost.
So, does anyone know how can we find out what the allowable amount per visit is (it is not anywhere I can find out without filing a claim)? Despite being PPO with 40% deductible out of network, this allowable amount will still limit how they will be paid and whether we will be covered or not.