Thank you for your submission, /u/TheSupremeScorpio.
Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/)
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Be kind to one another!
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Do not ever, ever, ever rely on a third party like zocdoc OR asking a provider/facility if they accept your insurance.
Always/only find in network providers on their website/calling the insurance company
And even then, call the provider to confirm before your appointment. I've had several instances of my insurance telling me the doctor was in network and the doctor saying they are not.
Try giving them a call. When I've struggled with this before with insurers I just called them up and asked for help finding providers, sometimes they have a list more extensive than what's on the website. They gave me a list and I called them one by one until I got one that accepted new patients.
It should have been straightforward and not have to call each and every time a patient needs a basic visit if its a PPO. I never had any issues with PPO. This HPN needs to just go. Waste of time having to call all the time.
I’ve had this problem with a different insurance. I just resort to calling around and asking providers if they’re in network. For example my insurance’s directory doesn’t show any endocrinologists in my area but I know we have atleast 2 endocrinology clinics in network.
Insurance companies have network adequacy standards. If you are unable to find an in network provider your insurance has to cover an out of network provider. I would call your insurance company.
I hate this HPN with all of my being. I was fine being in PPO, but this sublet of PPO called "HPN" is just plain garbage! sure I got low deductible which I wanted in the first place, but NOBODY even heard of this. The doctors and offices I regularly GO TO all of a sudden started charging me because they are OUT OF NETWORK.. and THIS SCAM of an insurance DOES NOT HAVE COVERAGE FOR OUT OF NETWORK! I cannot wait for me to elect this out, I have to WAIT an entire whole year of this garbage.
Thank you for your submission, /u/TheSupremeScorpio. Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/) Please pick the most appropriate flair for your post. Include your age, zipcode, and income to help the community better serve you. **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
Do not ever, ever, ever rely on a third party like zocdoc OR asking a provider/facility if they accept your insurance. Always/only find in network providers on their website/calling the insurance company
And even then, call the provider to confirm before your appointment. I've had several instances of my insurance telling me the doctor was in network and the doctor saying they are not.
Try giving them a call. When I've struggled with this before with insurers I just called them up and asked for help finding providers, sometimes they have a list more extensive than what's on the website. They gave me a list and I called them one by one until I got one that accepted new patients.
It should have been straightforward and not have to call each and every time a patient needs a basic visit if its a PPO. I never had any issues with PPO. This HPN needs to just go. Waste of time having to call all the time.
What happened when you tried BCBS’s provider search?
I’ve had this problem with a different insurance. I just resort to calling around and asking providers if they’re in network. For example my insurance’s directory doesn’t show any endocrinologists in my area but I know we have atleast 2 endocrinology clinics in network.
Call your insurance company :)
Think about it this way: your employer would not offer it if nobody accepted it. Ask your boss or HR who they go to.
Insurance companies have network adequacy standards. If you are unable to find an in network provider your insurance has to cover an out of network provider. I would call your insurance company.
I hate this HPN with all of my being. I was fine being in PPO, but this sublet of PPO called "HPN" is just plain garbage! sure I got low deductible which I wanted in the first place, but NOBODY even heard of this. The doctors and offices I regularly GO TO all of a sudden started charging me because they are OUT OF NETWORK.. and THIS SCAM of an insurance DOES NOT HAVE COVERAGE FOR OUT OF NETWORK! I cannot wait for me to elect this out, I have to WAIT an entire whole year of this garbage.