ie a pharmacy will take insurance A but not insurance B, forcing someone with insurance B to look at other pharmacies or pay a greater amount of money out of pocket.
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unfortunately health insurance isn’t simply intercepting your medical bill and paying for it. All the healthcare providers and insurers all have special pricing deals with one another so everyone gets a cut of the cash. So if a service provider and insurer don’t have an agreement in place already, they may decide they don’t want to do business with each other, and leave you to pay some or all of the bill. It’s more about everyone getting their cut, than it is about protecting people from medical emergencies.
Pro-tip, for doctor visits or incidents that may cost you out-of-pocket with insurance, you can opt to self-pay, instead of using insurance. Sometimes the self-pay bill total is vastly cheaper than the total they would calculate with insurance. Some urgent cares are cheaper to self-pay than your insurance co-pay is. Every situation is different.
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