I’m a remote worker (within the US) and my company gave me regional insurance

Must Read

My employer is in another state, and I recently discovered that my health insurance “In Network” options are in the HQ region. I don’t think the company did this intentionally, they are a small company without an HR department. I do believe our insurance rep should have flagged it when I enrolled. I did do some basic due diligence on the network before I enrolled as well, and it was totally unclear that my doctor was “Out of Network” (the find a doctor tool shows my doctor, says “In Network” and “Good Value”… apparently “Good Value” means out-of-pocket only).

Now I’m feeling stuck – my company assures me they will provide national plans once they renew, but that’s not until April and I think I’ve torn my rotator cuff. Is my only option to pay cash for care until I hit my out-of-network deductible and/or out-of-pocket maximum? Do I have any recourse with our representative who allowed enrollment for an out of state employee on an in-state network, or for the insurance company? I’m worried if I leave the rotator cuff until April, it could have permanent damage, but I’m also not in a position to pay up to $4,000 to have it checked out and treated.

submitted by /u/pheasantsir
[link] [comments]
My employer is in another state, and I recently discovered that my health insurance “In Network” options are in the HQ region. I don’t think the company did this intentionally, they are a small company without an HR department. I do believe our insurance rep should have flagged it when I enrolled. I did do some basic due diligence on the network before I enrolled as well, and it was totally unclear that my doctor was “Out of Network” (the find a doctor tool shows my doctor, says “In Network” and “Good Value”… apparently “Good Value” means out-of-pocket only). Now I’m feeling stuck – my company assures me they will provide national plans once they renew, but that’s not until April and I think I’ve torn my rotator cuff. Is my only option to pay cash for care until I hit my out-of-network deductible and/or out-of-pocket maximum? Do I have any recourse with our representative who allowed enrollment for an out of state employee on an in-state network, or for the insurance company? I’m worried if I leave the rotator cuff until April, it could have permanent damage, but I’m also not in a position to pay up to $4,000 to have it checked out and treated.
submitted by /u/pheasantsir [link] [comments]Read Morer/HealthInsurance

- Advertisement -spot_img

Leave a reply

Please enter your comment!
Please enter your name here

- Advertisement -spot_img
Latest News
- Advertisement -spot_img

More Articles Like This

- Advertisement -spot_img