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URL:  http://boards.fool.com/the-real-problem-with-going-somewhere-out-of-31087189.aspx

Subject:  Re: Want to Remain Debt Free in 2014 Date:  1/27/2014  1:08 PM
Author:  determinedmom Number:  307732 of 309667

The real problem with going somewhere out of network is that you don't have protection against balance billing.

Let's say you go to an in network provider who would charge $1000 for a procedure. Your insurer might have a contract to pay $200 for it. The contract also typically provides that the in network provider must accept that $200 for the whole thing and can't charge you for the balance (the $800). So - from your standpoint as a patient - it's all good. This even works if you are still in your deductible. Let's say you had a $500 deductible. All the in net work provider could get from you would be the $200 that the insurer would have paid if you weren't still in your deductible.

Now, let's say you go to an out of network provider who would charge $1000 for a procedure. Your