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Some health insurance plans–especially high-deductible ones such as health savings accounts–allow patients to go outside of their provider networks to utilize the doctors and hospitals of their choice. Normally, this costs more to consumers; however, the increased freedom is nearly priceless to some.
In most cases, your health insurance will cover at least a portion of the cost of out-of-network care. Unfortunately, you are responsible for submitting the claim paperwork yourself. Check your policy for information about deadlines–if you miss the timely filing limit, you may end up having to pay the whole bill out-of-pocket!
While it’s usually possible to file a dispute or appeal with your insurer, doing so can have a negative impact on your credit rating.
Tags: credit rating, credit score, health care, health insurance, health insurance advice, health insurance claims, health insurance plans, health savings accounts, high-deductible health insurance, hsa, out-of-network, timely filing limit
