Hello,
So my husband lives and works in Kansas, but the company he works with, which is very, very large company is based out of Michigan. He has never lived or worked in Michigan, however his insurance policy is with BCBS of Michigan.
My husband needs to see a doctor and when using the search tool on the BCBS of Michigan website there are plenty of physicians, but a blurb at the top states “If the results below show a provider outside of Michigan, please be aware that if you visit that provider, your claim(s) will be processed as “out of network” and what you owe will likely be higher.”
My question is two-fold I guess:
1) Is this allowed? All local providers are out of network if we are going by the verbiage above. Should his company be offering a local division of BCBS to avoid this? Of course, I know he can choose not to have health insurance through his employer but then he would have to look on the marketplace or simply be a self-pay patient.
I hope this is the right place to ask this question. I am not on his policy and am not super familiar with it, so thought this might be a good starting point. Thank you!
submitted by /u/SleevieNicks
[link] [comments]
Hello, So my husband lives and works in Kansas, but the company he works with, which is very, very large company is based out of Michigan. He has never lived or worked in Michigan, however his insurance policy is with BCBS of Michigan. My husband needs to see a doctor and when using the search tool on the BCBS of Michigan website there are plenty of physicians, but a blurb at the top states “If the results below show a provider outside of Michigan, please be aware that if you visit that provider, your claim(s) will be processed as “out of network” and what you owe will likely be higher.” My question is two-fold I guess: 1) Is this allowed? All local providers are out of network if we are going by the verbiage above. Should his company be offering a local division of BCBS to avoid this? Of course, I know he can choose not to have health insurance through his employer but then he would have to look on the marketplace or simply be a self-pay patient. I hope this is the right place to ask this question. I am not on his policy and am not super familiar with it, so thought this might be a good starting point. Thank you!
submitted by /u/SleevieNicks [link] [comments]Read Morer/HealthInsurance