Part of what we do at www.Las-Vegas-Health-Insurance-Expert.com is to educate our clients to maximize the value that they are getting from their health insurance policy. When it comes to a PPO and having services performed we stress the importance of staying “In Network.” Why? Because YOU WILL NOT get the contracted rate UNLESS you are IN NETWORK!
In Network, are the facilities that accept your insurance! Hospital’s, Physician Offices, Labs, Pharmacies, and ANY health care providers MUST accept your insurance from you to receive the contracted rates. The very best way to insure that these health care providers accept your insurance is to simply ASK, and CONFIRM! And you can’t always rely on what you see on the insurance’s website when you search for a provider, if you are unsure have your broker check for you, if your broker doesnt have the time to do that, give us a call and we will make sure you have all of the details before you go to a doctor only to find out they are out of network (of course in an emergency call 911 or go to the emergency room) .
I would also have your insurance broker advise you on this subject so no mistakes are made. Have your insurance broker handle ALL insurance claims, and confirm who is “In Network”, and who is “Out of Network.” Your insurance broker comes to you free of charge , so build this relationship with them, and know that a good broker is worth a lot to you.
If you go out “Out of Network” by mistake, it can be very costly to you, so find a good broker you are comfortable with and lean on them to make sure you maximize your coverage and they know how to do appeals to fight any mistakes! At www.Las-Vegas-Health-Insurance-Expert.com this is just one of the many services we provide to our clients.