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cobaltcruise OP t1_iyl86p0 wrote

Reply to comment by MicroStakes in Out of network therapy by cobaltcruise

Yeah, seems to me now most plans are similar… was just trying to gauge if anyone has successfully negotiated increasing the plan allowance for nationwide plans out of network using data like local costs from the fair health website because even BCBS kept claiming it’s a ballpark figure and there are a few websites which encourage appealing for a higher allowance with that data. I’ll give it a shot (or three) soon and report back!

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egp2117 t1_j28dw7z wrote

Did you have any success with this? I just switched from my in network therapist to an out of network one and also switched to the ppo plan because I assumed getting some coverage would be better, even with the increase premium from hmo to ppo. But if they’re only reimbursing $103 it’s actually cheaper to go hmo and fully out of pocket for me. Do you know if that that $103 include the co-pay (as in if there’s a $50 co-pay they’ll reimburse $53) or not? They covered $200 of my in network therapist, so that disparity is insane

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