|Any programs for those who cannot afford an HIV specialist?
Aug 23, 2005
I recently moved to a small town and accepted a job. The insurance has no HIV specialists in their network and so far the doctors I have tried have never seen an HIV case and cannot help me. I have had problems with severe anemia and have had to have several blood transfusions. I am not getting proper care with the in network doctors and it is getting frustrating. Human resources doesn't really know anything about the insurance. If I were to see an out of network doctor, I would have to pay 80% of the bill after a 2500 deductable, which I cannot afford. So I was wondering do I have any other options aside from going out of network?
Response from Ms. Franzoi
Unless your plan has a provision that it will pay for out-of-network charges at network co-pays if you are referred out-of-network by a network physician because there are no network physicians who can treat the illness, your only option is to pay the higher deductible to get out-of-network services.
indiv plan advice needed
BC/BS policies for the self employed
This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.
Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.