Comment Re:FTYF, Submitter (Score 4, Interesting) 532
And God forbid you should need surgery and the surgeon brings in his "out of network" business partner to consult in the surgery and you get hit with an uncovered four or five figure bill from them, too.
We had something similar happen. The lead surgeon for a scheduled surgery never told us that he would need to bring in a second doctor, and of course his partner wasn't on our network. With no negotiated discount on service rates, his partner was paid more by insurance company (at 70% "out of network" payment on the full charge) than he was (at my 90% in network rate, after the massive "negotiated" discount). This was for a multi-hour invasive procedure where the book rates for the primary and secondary doctors were in the $40-50k range each.
Supposedly we owed the 30% coinsurance for the partner