Out-of-network midwife less than deductible - still bill insurance?
January 28, 2013 9:51 AM Subscribe
My chosen midwife is out-of-network for my insurance company. She also costs less than the deductible for out-of-network providers. Should I still bill my insurance company?
posted by jillithd to health & fitness (5 answers total)
(I don't know a whole lot about how insurance billing works and wouldn't know where to start, really, in my search terms. I'm sorry if this is an obvious question.)
My midwife will cost less than the deductible for out-of-network providers. My insurance would then cover a percentage after I hit the deductible.
We are lucky in that we can afford to pay the midwife's fee ourselves.
There are Out of Pocket Maximums, though. Should we still bill the insurance company (even though we'll have to pay ourselves) so that the midwife's fees get added to this Out of Pocket Maximum?
Related question: Is the Out of Network deductible something that adds up? Say I had to go to another out-of-network provider for something other than maternity care. Would that cost and the midwife's fee add together so I'd someday meet the deductible?