Comparing Out of Network on MAPD PPO's

This hasn't been on my radar much, yet. Client has been on MAPD PPO pretty much since T65. Do any of you have experience with clients going out of network extensively? The feared thing, high out of pocket, but potential client is calm and reassured by the $10K max OOP on both plans, just wants to choose an option that fits the situation. Likely to need back surgery and has options for in and out of network providers. Needing surgery pretty much wipes out going to a MedSupp for this 76 YO on multiple drugs.

Whether to go out of network for surgeons or PCP on MAPD PPO. I vote for PCP. First
Source of insurance-forums.net

Comments