Anyone with UnitedHealthCare
How does out-of-network work ?? Any prior experience with anyone here
You should look at the plan benefits details shared with you during enrollment time. Plans vary company to company. The type of plan also matters e.g HMO vs EPO vs PPO
Contact your HR benefits department - someone should be able to walk through your specific plan benefits with you. Each insurance company has multiple plans with different levels of benefits depending on what your employer offers (they may have tweaked a "standard" plan). You need to work with your insurance company or company benefits HR so that they can look up the plan and its specifics to best explain it to you. You won't find the answer by simply asking here as we don't have access to the information you are looking for.
Most health insurance has what’s called in network and out of network benefits. In network basically means the insurance carrier is contracted with a provider, and therefore the provider is not allowed to charge more than what the insurance company agrees to pay. Example: regular office visit doc usually charges $150 bucks, but since you’re with United Healthcare the max they’re allowed to charge you is $100. If you visit an ‘out of network’ provider, that provider is not bound by any contract and thus can charge whatever they want. On top of that in network and out of network has different deductible and out of pocket accumulations (some plans combine the two, but in most cases they don’t). I hope that helps.
Theres different limit of deductible