Comments on: Caught By The Out Of Network Deductible http://www.healthinsurancecolorado.net/blog1/2008/04/14/caught-by-the-out-of-network-deductible/ Research and discussion of the Colorado health insurance industry and the healthcare crisis in America. Tue, 16 Mar 2010 22:14:50 +0000 http://wordpress.org/?v=abc hourly 1 By: Andrew http://www.healthinsurancecolorado.net/blog1/2008/04/14/caught-by-the-out-of-network-deductible/comment-page-1/#comment-14227 Andrew Mon, 11 Jan 2010 22:18:44 +0000 http://www.healthinsurancecolorado.net/blog1/?p=366#comment-14227 And yet there are people viciously defending this system and promising to wreak vengeance on anyone that tries to change it for the better. It's stories like this that make me pray that Congress gets their act together. And yet there are people viciously defending this system and promising to wreak vengeance on anyone that tries to change it for the better. It’s stories like this that make me pray that Congress gets their act together.

]]> By: baddecisionmaker http://www.healthinsurancecolorado.net/blog1/2008/04/14/caught-by-the-out-of-network-deductible/comment-page-1/#comment-11036 baddecisionmaker Thu, 10 Jul 2008 06:02:21 +0000 http://www.healthinsurancecolorado.net/blog1/?p=366#comment-11036 Yes, our system is messed up and way too complicated. I just paid a $260 doctor's bill for the same reason. The doctor was out of my PPO network, so I knew all of it wouldn't be covered, but none of it was covered because it was applied to my $1000 out of network deductible (I met my in-network deductible months ago). I switched from my father's insurance to my own, but assumed I would be fine because both were PPOs, and both from the same reputable company. But my employer's plan has this $1000 out of network deductible, and I'm stuck. I love this doctor, she is the only endocrinologist I have ever liked/found helpful. I've been having a lot of complex, frustrating diabetes issues and continuity of care seems very important. I can't see throwing a new doctor into the mix doing anything other than making my diabetes issues more difficult, stressful, and harder to control. Yes, our system is messed up and way too complicated. I just paid a $260 doctor’s bill for the same reason. The doctor was out of my PPO network, so I knew all of it wouldn’t be covered, but none of it was covered because it was applied to my $1000 out of network deductible (I met my in-network deductible months ago).

I switched from my father’s insurance to my own, but assumed I would be fine because both were PPOs, and both from the same reputable company. But my employer’s plan has this $1000 out of network deductible, and I’m stuck. I love this doctor, she is the only endocrinologist I have ever liked/found helpful. I’ve been having a lot of complex, frustrating diabetes issues and continuity of care seems very important. I can’t see throwing a new doctor into the mix doing anything other than making my diabetes issues more difficult, stressful, and harder to control.

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