Quote:
Originally Posted by jnieman
When you are in a situation where you are in a hospital for a surgery or procedure there are times when you will be treated by an anesthesiologist or doctor in the emergency room or in the outpatient center whereas the hospital or facility is in your plan but the doctors are out of network doctors. They do not tell you this when you are being treated. The way you find out is when you get the bill. You can't stop each doctor who is treating you and say "are you in my plan?". There are so many people who are involved in your care that it would be impossible and just would not work. My husband has our insurance BC/BS federal and Medicare for the last five years. He has had many kinds of procedures and has had to pay $0 for anything. This includes tests and labs. I am hoping and praying that this will be in my future. When you sign up for Medicare IT becomes your primary and BC/BS is secondary.
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I am very surprised that you encountered an anesthesiologist or doctor in the emergency room who were not preferred providers for the FEP Blue Cross plan. Can you provide their names, so I can avoid them? When I go into a hospital, I always verify that the hospital is a preferred provider, and that the surgeon and the anesthesiologist are also preferred providers. You absolutely have the right to ask and verify this information. But, I have found that almost all competent medical providers accept the FEP Blue Cross as preferred providers and I have not yet found a single provider so far in The Villages who are not. Even the urgent care facilities in The Villages are preferred providers.