Health Insurance Network Adequacy Requirements
My primary care doctor is supposed to fill out an Out of Network Pre-Auth so I can get an oral biopsy at my oral surgeon’s office. I think she’s avoiding it despite the urgency. I need to be sedated so I can’t see a Dermatologist or ENT for this. It’s considered medical and the diagnosis will most likely be autoimmune. The Excellus rep said that the only other option is to have the Oral Surgeon “submit to my medical insurance for benefit consideration” but it’s not a guarantee that I’ll get it paid for but I can appeal. The only other In Network Oral Surgeon is about 60 miles away with the most terrible reviews. I was reading on DFS about Health Insurance Network Adequacy Requirements after reading a post on Reddit. It says ”
A time and distance standard of 45 minutes/45 miles may be used for Oral Surgeons in certain rural counties but the NY county I’m in isn’t listed. So I’m thinking the 30 mile rule applies?
Neither Excellus or DFS verified this for me. I was reading elsewhere that sometimes Insurance will cover an Out of Network provider if theres not an In Network provider within a specific number of miles? I’m just trying to get as much information as I need incase I need to appeal. Thank you!
https://www.ncsl.org/health/health-insurance-network-adequacy-requirements
https://www.dfs.ny.gov/apps_and_licensing/health_insurers/network_adequacy_reqs_standards_submission_instructions