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Wednesday, 15 September 2010

Difference Between In-Network vs Out-of-Network Health Insurance Coverage

Posted on 02:06 by Unknown
To read more about general ideas (copays, deductibles, etc) of how health insurance coverage works, click here.

There are large health insurance companies that offer health insurance plans throughout the United States like Aetna, Anthem, Cigna, etc.

HOWEVER, just because you have one of these companies, does NOT mean that the health insurance benefits that apply in the state you live in apply to the other 49 states in the United States. Sometimes, even within the state, coverage may vary depending on whether the physician you see is IN-NETWORK or OUT-OF-NETWORK with your health insurance plan.

IN-NETWORK coverage means the doctor you see participates fully with your health insurance plan and the copays, deductibles, coinsurances, etc specified on your health insurance card applies.

OUT-OF-NETWORK coverage means that the doctor you see participates with your health insurance plan, but you will have to pay a MUCH larger portion of the bill as your health insurance plan will only cover a much smaller fraction of the charges.

In order to determine whether the doctor you will like to see is in-network or out-of-network, you will have to call your health insurance plan and ask.

Please be aware that your health insurance plan may not even offer out-of-network benefits in which case you are responsible to pay for everything if you see a provider who is not in-network.

A final last point is that some physicians may not even be in-network OR out-of-network with your health insurance plan. In this case, EVEN if you have out-of-network benefits, you will be responsible for all charges out-of-pocket.

To see what insurances we participate with in our office, click here. Just remember that we may be out-of-network, ESPECIALLY if you live in a different state from Virginia.
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  • resident
  • resistance
  • response
  • resurface
  • resurfacing
  • review
  • rhinitis
  • rhinoplasty
  • richmond
  • right
  • ringing
  • rinse
  • risk
  • robert
  • robot
  • robotic
  • rock
  • roger
  • roof
  • room
  • rotating
  • routine
  • rubber
  • runny nose
  • rupture
  • ryan
  • safe
  • sale
  • saline
  • saliva
  • salivary stone
  • saltwater
  • santa claus
  • scan
  • scans
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  • scientist
  • SCIT
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  • SD
  • seafood
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  • secondhand
  • secure
  • security
  • sedated
  • sedation
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  • sensory
  • sepsis
  • septal
  • septo
  • septoplasty
  • septum
  • sermo
  • service
  • set
  • severe
  • sex
  • shampoo
  • shape
  • shark
  • shenandoah university
  • shop
  • shortness of breath
  • shot
  • shots
  • show
  • shrimp
  • sialadenitis
  • sialendoscopy
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  • sickness
  • side
  • side effect
  • silent
  • silver nitrate
  • singer
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  • singing cat
  • singulair
  • singultus
  • sinuneb
  • sinuplasty
  • sinus
  • sinus fracture
  • sinus infection
  • sinus lift
  • sinus surgery
  • sinusitis
  • skating
  • skin
  • skin cancer
  • skull
  • sleep
  • sleep disorder
  • SLIT
  • sluder
  • small
  • smartphone
  • smell
  • smoke
  • smoking
  • sms
  • sneeze
  • sneezing
  • snore
  • snoring
  • snot
  • snotty nose
  • social
  • social media
  • social networking
  • soda
  • sodium
  • soft
  • song
  • sore
  • sore throat
  • sour
  • spa
  • spam
  • spanish
  • spasmodic
  • spasmodic dypshonia
  • spasmodic dysphonia
  • spasms
  • special
  • specialist
  • speech
  • speech therapy
  • spinal
  • spinning
  • spit
  • splints
  • split tube
  • spray
  • spur
  • ssnhl
  • staph
  • starvation
  • stat
  • station
  • stem
  • stereoisomer
  • sterile
  • steroid
  • steroids
  • sticky
  • stink
  • stone
  • stones
  • stops
  • storybooks
  • strange
  • strep
  • strep throat
  • stridor
  • strobe
  • stroboscopy
  • stroke
  • stuck
  • stud
  • student
  • study
  • stuffed animals
  • stuttering
  • sublingual
  • submandibular
  • submaxillary
  • sudden
  • sudden hearing loss
  • sun
  • sunblock
  • sunscreen
  • sunshine
  • superbill
  • superbowl
  • superbug
  • support
  • surgeon
  • surgery
  • surgical
  • survey
  • suture
  • swallow
  • swallowing
  • swelling
  • sword
  • symbicort
  • symphony
  • symptom
  • symptoms
  • syndrome
  • T-tube
  • tablet
  • talk
  • talking
  • tall
  • target
  • taste
  • tea
  • teacher
  • technology
  • teen
  • teenager
  • teeth
  • television
  • temperature
  • terrorism
  • terrorist
  • test
  • testing
  • tests
  • text messaging
  • the doctors
  • the onion
  • theory
  • therapy
  • thick
  • throat
  • throat cancer
  • throat clearing
  • throat-clearing
  • thrombosis
  • thrombus
  • throwing
  • thyroid
  • thyroidectomy
  • tia
  • tic
  • tic cough
  • tick
  • tilt
  • time
  • times
  • tinnitus
  • tiny
  • Tionne
  • TLC
  • TMJ
  • tobacco
  • TOCPM
  • today
  • tongue
  • tonsil
  • tonsil stones
  • tonsillectomy
  • tonsilliits
  • tonsillitis
  • tonsilloliths
  • tonsillotomy
  • tonsilolith
  • tonsiloliths
  • tony
  • tooth
  • tooth pain
  • top
  • topical
  • TORD
  • torres
  • tors
  • torticollis
  • tour
  • toxin
  • toyota
  • trach
  • tracheostomy
  • training
  • trans
  • translation
  • transmedics
  • transmission
  • transplant
  • transplantation
  • transportation
  • trauma
  • treating
  • treatment
  • tremor
  • trend
  • triangle
  • trombone
  • trouble
  • tube
  • tubes
  • tucci
  • tumor
  • turbinate coblation
  • turbinate hypertrophy
  • turbinate reduction
  • turning
  • tutorial
  • TV
  • tween
  • tweet
  • twitching
  • twitter
  • two
  • tylenol
  • tympanic
  • type
  • ulcer
  • ulpa
  • ulrich
  • ultrasound
  • unable
  • unclog
  • under
  • uninsured
  • united kingdom
  • university
  • Update
  • upper
  • upper respiratory infection
  • uppp
  • urgent
  • URI
  • urine
  • urticaria
  • usa
  • USA today
  • uva
  • uvula
  • uvulectomy
  • uvulopalatopharyngoplasty
  • vaccination
  • vaccine
  • vagal neuropathy
  • vascular
  • vasomotor
  • vasomotor rhinnitis
  • vcd
  • ventilation
  • versus
  • vertigo
  • ves
  • vessel
  • viagra
  • vibration
  • video
  • viral
  • virginia
  • virus
  • viruses
  • vit d
  • vitamin
  • vitamin A
  • vitamin d
  • vivosonic
  • vlog
  • vocal
  • vocal cord
  • vocal cord dysfunction
  • vocal cord paralysis
  • vocal cord paresis
  • vocal cords
  • vocal process
  • voice
  • voice therapy
  • voicebox
  • voicelift
  • volume
  • vomit
  • vs
  • wait
  • waiting
  • wall
  • wall street journal
  • warm
  • warrenton
  • washes
  • washington
  • washington dc
  • washington post
  • water
  • watkins
  • wax
  • wearable
  • web
  • web 2.0
  • webapp
  • Website
  • Website Update
  • wedge
  • weight gain
  • whale
  • what to do
  • wheezing
  • where
  • whisperer
  • whispering
  • white
  • who
  • whooping
  • wierd
  • wifi
  • will.i.am
  • wind
  • windows 7
  • winter
  • wire
  • wireless
  • withdrawal
  • without
  • woman
  • word
  • world
  • world voice day
  • world's
  • worlds
  • wound center
  • wp
  • wrestling
  • wrong
  • wsj
  • x-ray
  • xeomin
  • xray
  • xylitol
  • xyzal
  • youtube
  • zenker's
  • zenkers
  • zeta
  • zicam
  • zinc
  • zyrtec

Blog Archive

  • ►  2011 (190)
    • ►  September (26)
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    • ►  June (15)
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    • ►  March (12)
    • ►  February (33)
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  • ▼  2010 (267)
    • ►  December (23)
    • ►  November (18)
    • ►  October (32)
    • ▼  September (30)
      • Cocaine As A Medically Approved Medication
      • Dr. Chang Blog Article Re-Published on KevinMD
      • Pet Dogs Reduce Allergies in Children, But Cats In...
      • Dr. Chang Mentioned in Newspaper Regarding Spasmod...
      • Mutter Medical Museum of the Odd, Strange, and Biz...
      • Tilt-Table Test: An Under-Utilized Study To Evalua...
      • Even in Hawaii, People Have Vitamin D Deficiency!
      • New Drug Helps Prevent A Cough From Being Contagious
      • There are TWO Different Allergy Shot Systems (AAAA...
      • NPR: Injuries To Kids From Swallowed Disc Batterie...
      • UPDATE: iPad and MediTech Electronic Medical / Hea...
      • Using The Internet To Radically Misdiagnose Your C...
      • As A Busy Physician, Why Do I Even Bother Blogging?
      • Positive Patient Feedback
      • Difference Between In-Network vs Out-of-Network He...
      • The More Popular You Are, The Earlier You Get Flu ...
      • Age Influences Botox Response in Patients with Spa...
      • Think MRSA Infection is Bad? NDM-1 Infection is Wo...
      • Fauquier ENT Rated #1 in Being Most Influential in...
      • Humor: Breast Surgeon vs. Pathologist [video]
      • New Reason for Chronic Cough... Playing the Trombone!
      • Dr. Chang Featured in Magazine Article on Using iP...
      • Our Office Now Offers Real-Time Video Ear Microscopy
      • Patients Travel From as Far as 8000 Miles Away to ...
      • Convert Your iPhone/iPod Into A Hearing Aid With E...
      • Voice Problems Trouble Teachers
      • Dr. Chris Chang... The Ex-Cellist...
      • Caffeine Can Cause ENT Problems
      • Bone Drugs May Increase Risk of Throat Cancer
      • NPR on Muscle Tension Dysphonia aka (Hyper-)Functi...
    • ►  August (35)
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    • ►  May (22)
    • ►  April (27)
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    • ►  February (13)
    • ►  January (13)
  • ►  2009 (43)
    • ►  December (11)
    • ►  November (13)
    • ►  October (19)
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