No. of Recommendations: 0
The thing about medical debt is that you don't know what you will have until you have it. You just get blindsided by it. You can't plan for it really, except to have an insurance policy, hope it remains valid if you get sick (ie you can keep working if its an employer-provided policy), and hope it covers what you think it will cover (mine didn't).

Ah yes, the great in-network out of network loophole. We've been stung on that a couple of times. Once, when my daughter was having an allergic reaction to Mom's cats. After calling the PAN and being told to take her to the out of network emergency room, they turned around and didn't want to pay for the trip.

Now, my employer has changed our plan, and the clinic we've used for over 20 years is considered out of network, although they are claiming (right now) that they will honor the limits and copays of our insurance as if it was in-network. I don't trust them and am currently looking for a new doctor who is definitely in-network.

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