Quote:
Originally Posted by Lauliza
My guess is they don't since there is no mention of it. Ice seen HMOs and other plans offer out of network coverage, but I've never seen anything about it mentioned in the literature or online. Their are has a function where you can search for doctors/Ts. If they aren't there, they usually don't take this insurance.
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Out of network means you have to pay for it and submit it yourself. Maybe they exist but I have never seen a PPO plan not have an OoN provision. HMO is a different story. If I were to go with Kaiser (which I won't) I would pay for all my MH care including meds on my own because I think the MH dept in my area is horrible. I would not even be able to fill my prescriptions at their facility. That, of course, makes it cost ineffective.
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