Health Care Insurance?

[2009BBPliftback]

I work in healthcare dealing with insurances on a daily basis. "In network" is when you use selected facilities/doctors that have a contract with your insurance company. "out of network" is just the opposite when you use out of network your benefits (depending on the policy) they will pay at a much lower rate than if you use "in network". The Deductible is what you pay out of pocket before your benefits kick in. Hope this helps somewhat.

[jamal1984]

Originally Posted by 2009BBPliftback

I work in healthcare dealing with insurances on a daily basis. "In network" is when you use selected facilities/doctors that have a contract with your insurance company. "out of network" is just the opposite when you use out of network your benefits (depending on the policy) they will pay at a much lower rate than if you use "in network". The Deductible is what you pay out of pocket before your benefits kick in. Hope this helps somewhat.

Thanks another question.
Let's say if i hurt my hand and i'm go to the emergency room, and see a doctor...and the total came out less than $1500 do the insurance will pay for it? or i have to pay for it? Since the deductible is $1500.

[DevilGirl]

Originally Posted by jamal1984

Thanks another question.
Let's say if i hurt my hand and i'm go to the emergency room, and see a doctor...and the total came out less than $1500 do the insurance will pay for it? or i have to pay for it? Since the deductible is $1500.

Depends on the particulars of the plan. I had an emergency room visit last year, and should have had to only pay the co-ins amt for ER visits of $250. I didn't get billed though. If you are admitted, the insurance typically covers most of the costs.