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PPO plans
Here's an example of how in-network and out-of-network benefits compare in PPO plans.
In-network: You go to a doctor and the total charge is $250. You get a discount of $75 because you went to an in-network doctor and our negotiated rate with them is lower. We pay $140. You pay what’s left, which is $35.
Out-of-network: You go to a doctor and the total charge is $250. You won’t get a discount because the doctor is out-of-network. We still pay $140, but you’ll be responsible for what’s left, which is $110. We call this balance billing.
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What i explained earlier. This is BCBS but similar to others as I was thinking about changing my benefits and noticed this is not uncommon. It could get really costly. Can you change your plan back?