Quote:
Originally Posted by cunch
I purchased a major medical policy directly from BCBSFL in Jan. I was told by the salesperson if I went to a in network doctor I would pay the BCBS allowed rate. I specificaly ask this question when I bought the policy. I later found out this is not the case. When I called my salesman he apologized and offered to sell me a better policy. I reported this to the state of Florida Financial Dept. No response to this point. I do not understand why my doctor will accept 71.00 from BCBS but charges me 117.00 when I am paying cash. I will be looking for a new doctor!
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You do understand that physicians agree to accept a payment less than their regular charges in order to participate in the program. Those without coverage pay the regular rate. Most of the time, insurance plans pay about 80% of the "usual and customary" fee. In this case, it appears the reimbursement rate is about 60%.