Quote:
Originally Posted by ThisWayOut
Correct me if I'm wrong, but doesn't having a ppo mean you can see an out of network provider but have a higher copay? At least, that how it works with mine. I can see anyone, but if I pick someone out of network, I have to pay $45a session instead of $40. I did speak to one t who wanted payment for sessions up front, but most I had checked with only requested the copay at time of service.
Just a thought, but it might open up more options for you.
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Yes, I can go out of network and my insurer pays 70% but the issue with that is that where I live therapists will take payment in full from me up front then I have to ask my insurance company for reimbursement. I would happily pay $40 or $45 for out of network but where I live the going full fee is around $125. I'm early career and won't have $125 once a week to give until I'm reimbursed by my insurer. Where I used to live ppo was how you're describing it but where I am now it means an expensive up front payment then reimbursement.