That sucks. I can't imagine why she won't cooperate.

My one thought is that she actually earns more OON than if she is considered sorta in-network. My pdoc is OON. He charges $170 for an appt. My insurance will cover $60 and I pay $70. He ends up getting his full fee. My T is in network. She charges $120 per hour, but they insurance company limits her to $60. So I pay T my $20 copayment and the insurance company pays her $40. She ends up getting half her fee because she is in network.

Am I being clear? Insurance is so confusing and evil.

Best,
EJ