health insurance question

[Connonym]

If you go to someone who is not a preferred provider in your network will the insurance company make you pay the nonpreferred rate for all the lab work and stuff ordered by that doctor? We've only got 2 endocrinologists in town and the one who is preferred is a total jackass. I'm wondering if I should ask my PCP to write up any lab orders under his name so that I make sure the insurance will pay the most on them.

[yellowdogintexas]

1. depends on the terms of the policy but usually, if the actual providers of the lab, xray

and other specialty services are in network you get the network rate.

Call the customer service line on the insurance to be certain.

I checked on this with our new coverage..my primary doc is not in their network, but I specifically asked if she refers us to an in net provider for labs, etc. if they would be covered as in net and the answer was yes.

[Connonym]

2. thanks :)