Hi everyone,
Well, it has definitley been a Monday. I set up my appt in Denver with Dr. Muckle for April 3. I have been referred to him by my local ENT. I am in Wyoming, where we don't have the specialty docs. Anyway, to get on with my story...
They called from Dr. Muckle's office and told me my insurance wouldn't cover me as the doc office was not in the "network". I about had a panic attack. Upon some research and talking to my local insurance gal, I was told that I am under an indemnity plan and do not have to stay in the network... Whewwww.... I suppose some of the charges may not fall in the "usual and customary" category and may not be covered, but the majority should be and I can appeal those charges.
Well, I am breathing a little easier now. I am on a catastrophic policy, so I will have some medical bills, but will be able to manage those, probably about $3500 plus whatever is out of the usual and customary. It is pretty ironic, I had just gotten back on my feet after a divorce, then this... I am sure things will be fine though, just another bump in the road of life.
Carmen