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@RoKhanna #UnitedHealthCare doesn't have any Occupational Therapists or Speech Therapists in network in San Jose for my autistic son. I pay out of pocket and then get reimbursed eventually by UHC sometimes over a month later (Full payment is usually just under $4K/month). 1/
@RoKhanna I have applied for GAP in the past where it's covered at in network rates ($30 copay). But lately (past couple of years) they've been denying this and appeals. So in out of network I pay full price to the provider and then get reimbursed after $700 deductible 2/
@RoKhanna (reimbursement) 30% co-insurance (on their estimate of fair market value) and the uncovered portion. So for a $200 speech visit (my son is autistic and goes 100 times per year), I pay $200 and am reimbursed $122.50. $25 is not covered and 30% co-insurance is $52.50 3/
