LymeNet Home LymeNet Home Page LymeNet Flash Discussion LymeNet Support Group Database LymeNet Literature Library LymeNet Legal Resources LymeNet Medical & Scientific Abstract Database LymeNet Newsletter Home Page LymeNet Recommended Books LymeNet Tick Pictures Search The LymeNet Site LymeNet Links LymeNet Frequently Asked Questions About The Lyme Disease Network LymeNet Menu

LymeNet on Facebook

LymeNet on Twitter




The Lyme Disease Network receives a commission from Amazon.com for each purchase originating from this site.

When purchasing from Amazon.com, please
click here first.

Thank you.

LymeNet Flash Discussion
Dedicated to the Bachmann Family

LymeNet needs your help:
LymeNet 2020 fund drive


The Lyme Disease Network is a non-profit organization funded by individual donations.

LymeNet Flash Post New Topic  New Poll  Post A Reply
my profile | directory login | register | search | faq | forum home

  next oldest topic   next newest topic
» LymeNet Flash » Questions and Discussion » General Support » Another Massachusetts Insurance Question

 - UBBFriend: Email this page to someone!    
Author Topic: Another Massachusetts Insurance Question
marypart
LymeNet Contributor
Member # 27012

Icon 1 posted      Profile for marypart     Send New Private Message       Edit/Delete Post   Reply With Quote 
I'm still helping my daughter shop for insurance through Obamacare in Massachusetts.

Most of the plans only cover in-network doctors.

If she pays out of pocket for an out-of-network doctor, will the insurance still pay for lab tests, prescriptions drugs, and other studies ordered by the out-of-network doctor. She would be using in-network labs.

Thanks for any help. She's near Boston and sees Dr. H.

--------------------
Son, 26, Dx Lyme 4/10, Babs 8/10
Had serious arthritis, all gone.
Currently on Valtrex
Daughter, 26,bullseye 7/11
arthritis in knees, cured and off all meds. .
Self:Lyme, bart, sxs gone, no longer treating.

Posts: 496 | From Washington, DC | Registered: Jul 2010  |  IP: Logged | Report this post to a Moderator
Maia_Azure
LymeNet Contributor
Member # 44330

Icon 1 posted      Profile for Maia_Azure     Send New Private Message       Edit/Delete Post   Reply With Quote 
Hello,

I have a massachusetts based plan. It covers ls work at all the major labs (quest, labcorps, etc) regardless of what state I get th blood drawn in.

My plan would not cover my igenx test, fry labs, a parasitology test or a few labcorp tests that were specific.

My doctor is out of state, and most don't accept insurance, I will only get office visits paid for if I pass the $5,000 deductable.

Pay attention to what kind of plan, if it's an HMO you likely won't get out of network converage and they may be restrictive on labs.

I have a PPO so in-network is cheap, then there are nom-preferred where I pay slightly more, anything else is only covered once deductible is met. (any out of network charge)

--------------------
Sick since 2000
Bulls eye 2005
Dx Babesia, Lyme 2014

Posts: 247 | From New Hampshire | Registered: Aug 2014  |  IP: Logged | Report this post to a Moderator
marypart
LymeNet Contributor
Member # 27012

Icon 1 posted      Profile for marypart     Send New Private Message       Edit/Delete Post   Reply With Quote 
So your doctor is out of network, and he/she writes the order for an in-network lab, and the insurance will pay for the lab tests? Even if the doctor that ordered them is out-of-network?

My husband and I have Aetna and they pay for the tests, even if they are ordered by an out-of-network doctor. I'm just wondering if any of the insurance companies deny payment for tests at in-network labs because the order came from an out-of-network doctor.

Yeah, I'm looking for a PPO, not an HMO, on the Massachusetts Health Connector website.

--------------------
Son, 26, Dx Lyme 4/10, Babs 8/10
Had serious arthritis, all gone.
Currently on Valtrex
Daughter, 26,bullseye 7/11
arthritis in knees, cured and off all meds. .
Self:Lyme, bart, sxs gone, no longer treating.

Posts: 496 | From Washington, DC | Registered: Jul 2010  |  IP: Logged | Report this post to a Moderator
Maia_Azure
LymeNet Contributor
Member # 44330

Icon 1 posted      Profile for Maia_Azure     Send New Private Message       Edit/Delete Post   Reply With Quote 
My doctor just gives me a lab slip, I can go to any location that is convenient for me. Ive been to labcorp in MA and New Hampshire. I always go to a lab near home, but I am not sure if that matters.

I've never tried to go to a lab outside of new england, but from my past experience insurance pays as long as they work with that lab.

--------------------
Sick since 2000
Bulls eye 2005
Dx Babesia, Lyme 2014

Posts: 247 | From New Hampshire | Registered: Aug 2014  |  IP: Logged | Report this post to a Moderator
   

Quick Reply
Message:

HTML is not enabled.
UBB Code� is enabled.

Instant Graemlins
   


Post New Topic  New Poll  Post A Reply Close Topic   Feature Topic   Move Topic   Delete Topic next oldest topic   next newest topic
 - Printer-friendly view of this topic
Hop To:


Contact Us | LymeNet home page | Privacy Statement

Powered by UBB.classic™ 6.7.3


The Lyme Disease Network is a non-profit organization funded by individual donations. If you would like to support the Network and the LymeNet system of Web services, please send your donations to:

The Lyme Disease Network of New Jersey
907 Pebble Creek Court, Pennington, NJ 08534 USA


| Flash Discussion | Support Groups | On-Line Library
Legal Resources | Medical Abstracts | Newsletter | Books
Pictures | Site Search | Links | Help/Questions
About LymeNet | Contact Us

© 1993-2020 The Lyme Disease Network of New Jersey, Inc.
All Rights Reserved.
Use of the LymeNet Site is subject to Terms and Conditions.