As a foreign student visiting US, America's
insurance and health care system seems ridiculous complicated for me.
Especilaly I'm confused with some cases when doctor and clinic
are not in the same "network", one is in-network, one is out-network.
If I visited a doctor whose name I found from insurance
company website, then the doctor is in-network,
but the clinic he/she works is out-network.
Then I was charged extra fee of the clinic which will not
be covered by insurance company (docotor'serive was reimbursed
by insurance).
In the other case, I found an in-network clinic or hosiptal,
but as the clinic, I was treated by a doctor whose
name couldn't be found on insurance company' website,
so the doctor is out-network. His service could not be covered
by insurance company.
Are these two experience reasonable and possible ?
So I want to get a full insurance coverage,
do I have to be treated by an in-network doctor,
at an in-network clinic/hosiptal ?
2006-12-06
07:56:13
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3 answers
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asked by
Q Y
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Other - General Health Care