If you do go the urgent care route, be sure to check with your insurance to find out if you need a referral. Most HMO policies will require one, which can be tricky if you don't already have an established relationship with a PCP.
A lot of people don't realize that "urgent care" treatment is not viewed the same way as "ER" treatment by the insurance companies, and it's an easy way to get stuck with a huge bill.
So go get treatment, but if you're worried about switching doctors or don't have one at all, you may want to pay the higher ER copay and save yourself the fight with the insurance company later.
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Date: 2011-07-28 09:22 pm (UTC)A lot of people don't realize that "urgent care" treatment is not viewed the same way as "ER" treatment by the insurance companies, and it's an easy way to get stuck with a huge bill.
So go get treatment, but if you're worried about switching doctors or don't have one at all, you may want to pay the higher ER copay and save yourself the fight with the insurance company later.