If insurance is just an entity taking over payment over for a policy holder, can’t all practices take all insurance? Why should it matter which entity is footing the bill? They’d be happy to charge me full price, regardless, and I’m not an entity with money. Trying to find a dentist that takes Medicaid is hellish.
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The issue is that insurance will cap its payment at some level below the doctor’s full price. Many out-of-network doctors will bill your insurance and take any payment they receive from them and apply it to your bill, but will then bill you for the rest. But your insurance may not pay for out-of-network doctors. And even if they do, if your doctor is in-network with the insurance, they will accept the insurance price as payment in full, which is a powerful incentive to go in network.
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