In Network vs Out of Network

[mona832 20]

Okay so I got a call from Dr. Mirza's office and they told me that my insurance will cover the procedure, but that they are considered out of network for my provider. Now I am sure that they will answer all my questions when I have my first visit with them on the 10th, but I am curious to know what this means for me. I have a higher deductible for out of network providers, so I am not sure at this point if I want to go in for my appointment with the office. I did some research and found that he is a great doctor, but I don't want to spend thousands of dollars on something that my insurance has agreed to cover. So does anyone further along in the insurance process know what this means? Will the hospital charge me more as well? Do you know of any great UHC network doctors in Houston? I would love to keep Dr. Mirza, but I just can't see myself paying thousand's of dollars more than what I would already have to pay.

[Nevermore 38]

I know that being out of network means you'll pay more, but how much more is really dependent on your policy. The best answers will come from calling the insurance company directly.

Incidentally, if it's not a huge difference, I'd stick with Dr. Mirza. He's doing my sleeve this Monday at 7am and their team has been wonderful.

[mona832 20]

I know that being out of network means you'll pay more, but how much more is really dependent on your policy. The best answers will come from calling the insurance company directly.

Incidentally, if it's not a huge difference, I'd stick with Dr. Mirza. He's doing my sleeve this Monday at 7am and their team has been wonderful.

Well wishes for your surgery!

Yes, his team is awesome. I went to them last year 2012, but was declined by UHC, now I have UHC through another employer and I am covered! I guess I will find out the difference at my appointment. Hopefully it's not too much of a difference. But on paper through my insurance, I added up a difference around 4,000 just about.