You have to have a PPO not an HMO insurance plan. If you get transferred in to the hospital or go through the ER and they assigned to a GI who doesn't take insurance in the hospital then they can bill your insurance company full price and your insurance company has to pay.
When I had an HMO I had a local GI who took my Insurance and I'd have him do the c-scopes and regular visits.... When I was flaring and needed to see the specialist IBD GI then I'd pay out of pocket.
The real problem that I had was that almost all the surgeons that I wanted to use did not take insurance.... I think it was one of the reasons that I procrastinated in having surgery. I finally switched to a PPO plan and found a surgeon that I wanted who took it too which saved me some copays.
Post Edited (ks1905) : 4/7/2014 5:38:09 PM (GMT-6)