No. of Recommendations: 5

You wrote, No, I didn't know there was such a thing as a negotiated rate for my insurance company. Good to know! Thanks for the tip.

Tip #2: The provider often doesn't know the negotiated rate. They usually go through a 3rd party service that negotiates for them and they may not be able tell you the negotiated rate. If you really need to know the cost, the provider should be able to submit what I believe is called a "pre-certification request" to the insurance company for the procedure. The insurance company will send you and the provider a letter authorizing the procedure and an estimate.

Of course you can only do this with procedures that can be planned for in advance. In those cases, I highly recommend you make sure you understand if there will be other service providers involved. If so, you have the right to require them to be in-network. Sometimes it can take some poking and prodding to make this happen; but it usually saves on the complaints and recriminations afterwards.

- Joel
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