When many people hear the term "Out-of-Network," they generally assume that this is not the route for them, and that they must find an "In-Network" provider in order to justify all the money they pay for their health-insurance, and belief me I have also found myself stuck in that mindset at times, BUT...
In many instances, specifically with high deductible plans, people don't read the benefits of their plan that they have elected for. All these confusing words... Deductible, Co-pays, Coinsurance, Premiums…what does all this mean? Many times we assume insurance will cover "____." Hardly is this the case though.
In our present state of healthcare, there are significant disadvantages and expensive measures that insurances put in place to avoid paying for services. YES, Insurance will come in handy to save you from paying an exuberant $200,000 Hospital Bill following an unexpected health crisis, but with more an more emphasis being placed on company "profit margins" there is significant drive to avoid paying for the smaller things. The system is failing due to many issues.
In this day and age, where it pays to be proactive and not reactive in regards to your health, the focus should be on quality of care over quantity and convenience.
Dr. Luke Greenwell is a Performance Based Physical Therapist with an extensive background in treating the injured athlete. He is passionate about returning people to the sports & activities they love. He has post-doctorate certifications in Manual Spine Therapy and Functional Dry Needling. He is also a NSCA Certified Strength and Conditioning Specialist. He has extensive experience in Dartfish video gait/running analysis, concussion rehab, & functional movement screening & correction. He is the owner of CrossFit based RecoverRx Physical Therapy