<<Disclaimer: Verify this information before applying it to your situation.>>

Just a quick reminder--just because a particular doctor doesn't take 
your (or any) insurance doesn't necessarily mean you can't get some 
reimbursement for the visit. Unless you are covered by an HMO that 
restricts coverage to doctors in your particular group, in which case 
there's little point to submitting claims for visits to other 
doctors, there is always some way to submit bills for coverage after 
the fact. It may be a nuisance, and your reimbursement may not be as 
high as the amount covered for an "in network" doctor, but there _is_ 
generally coverage. The doctor has nothing to do with handling or 
approving the insurance reimbursement if you have paid for the visit 
out-of-pocket. As an example, I'm covered by Blue Cross/Blue Shield 
of Illinois. I see one doctor who is not set up to submit claims to 
my insurer. I pay her at the time of service, and then submit my 
receipt with this form 
<http://www.northwestern.edu/hr/benefits/plans/health/pdf/bchealth.pdf> 
to the insurer. About two weeks later, they send me a check for the 
amount stipulated in my coverage (in this case, 50% of the defined 
coverage for the services provided). It's no more difficult than 
submitting receipts for reimbursement from a flexible spending account.


Joe Ellison
Chicago, IL
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Do not let the merely urgent interfere with the truly important

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