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Originally Posted by capecoralbill
Rusty, I was not talking about obtaining out of the area coverage. I was talking about a non-participating doctor being asked to participate and then wait and hope that he would accept the United Healthcare payment . When you're recovering from some operation I don't think you want to be foraging around trying to solicit doctors or PT Clinic into signing up for a HMO plan. If willing, I think they would have done that in the first place. Shouldn't UHC be the ones to do that?
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It's not clear to me what you are trying to describe. I don't know how you can protect yourself against assuring you have in network doctors everywhere you go. Like I said if you go to the emergency room you have no idea what doctors will be assigned to you even though the hospital is in network. I had it happen to me. Maybe this will help - The insurance company will pay the non participating doctor their out of network rate. If that doctor wants more than that (not likely) you can negotiate with him/her. This falls under out of network OOP which for 2019 has been reduced to $7500 max. To me I find it difficult to believe one can not find qualified doctors that accept TV UHC. The place is surrounded by them plus the same for specialists. I look at it this way worst case I get burned for $7500. Most negative posts here about TV UHC is because their doctor takes a different insurance. That does not make TV UHC bad. I'm sure there are plans their doctor does not accept. Also all doctors are not required to take medicare. They probably will around here if they want to stay in business.