Eucerin
Recycles dryer sheets
- Joined
- Oct 10, 2018
- Messages
- 246
I have a daughter who is in college in Philadelphia which is out of state. I obtained BCBS PPO through ACA market place, I thought that among all the coverage, PPO covers the wide range of doctors and facilities in the network for out of the state.
In October, Daughter got sick and went to the emergency room, She ended up stay over night in the hospital with various tests, they didn't find anything and sent her home the day after.
In November, we got a letter from BCBS on request of her progress, it says the hospital is in the network.
In December, we got statement from BCBS said that we need to pay 21k for this event. the hospital is NOT in the network.
By the way, the policy coverage deductible is 2500/person maximum.
I spoke with ACA Agent, and was told that if you buy a coverage directly from BCBS, they will consider network out of state; but if you receive a subsidies through ACA, any out of state is considered out of network.
Anyone knows anything about this kind of things?
In October, Daughter got sick and went to the emergency room, She ended up stay over night in the hospital with various tests, they didn't find anything and sent her home the day after.
In November, we got a letter from BCBS on request of her progress, it says the hospital is in the network.
In December, we got statement from BCBS said that we need to pay 21k for this event. the hospital is NOT in the network.
By the way, the policy coverage deductible is 2500/person maximum.
I spoke with ACA Agent, and was told that if you buy a coverage directly from BCBS, they will consider network out of state; but if you receive a subsidies through ACA, any out of state is considered out of network.
Anyone knows anything about this kind of things?