Hello New Friends,

I'm curious to know if anyone else has United Healthcare PPO, and if so, do they charge extra % for an "Out-of-Network Surgeon and Doctor?"

My insurance recently changed and I've been approved by both my old insurance carrier -- as well as my very new insurance carrier.

Although I received letters from both saying "You've been approved" listing the new doc and new surgery center I am having last minute concerns that something hasn't been disclosed to me:

I'm scheduled for June 15th, and currently on my 4th day of Pre-Op Diet with a lengthly drive tomorrow morning to see the surgeon I selected. Anolther Bandsters Post prompted me to think... to question the difference between in-network and out-of-network. My longtime insurance company was extremely generous and paid for nearly all of my medical in years past and now I'm needing to learn about United Healthcare's Benefits. I've come this far and now can't sleep wondering if my surgery and surgical centers costs are going to be sky-high being out-of-network...

I don't want to be blind-sided in the a.m. after driving in bumper-to-bumper traffic.

Arrrgggh, why didn't I think of this question last week? Thanks to anyone who may have some insight on this issue.

Can you go online and check your new policy details? If not, call them before you proceed...I think most PPO's pay differently for in and out of network....could be as low as 50% and that could be from what they consider "reasonable and customary". I would postpone your visit until you are absolutely sure about costs.....

I agree call you insurance and they can tell you if the surgeon is in or out of network. Personally I would not have surgery at a hospital or with a doctor that was not in network. It will cost you about 30% more.