Annoying Insurance Company/ Rehab Program?

Question by dantedemon21: Annoying insurance company/ rehab program?
Ok I have recently found god and become a strong christian. I came home after tons and tons of drug issues from college. My parents are very supportive and my mom is a strong christian. Two centers have been trying to help us with the insurance companies. I want to go to a christian rehab center and the one that has a very very good ministry outreach program was denied because it was not on their list of recommended centers. My whole life I have had to deal with big corporations I am so sick of them and usually have luck when calling them. How should me and my parents handle this issue with the insurance? I mean it is complete bs that we pay them tons of money and when it comes time to actually do their jobs they are refusing to. Is their someone we can call to help us deal with them or something? I really feel that I am being lead to be at this facility does anyone have any suggestions at all. Please just be kind in responses no bs just logical solutions to this problem.

Best answer:

Answer by Zarnev
It depends upon the type of plan you have. If you have the wrong plan you are out of luck.

If you have an HMO plan and the center is not in their network you cannot get them to pay. You can still go but you’ll have to pay.

If you have a PPO or a POS plan you can go and they’ll pay a smaller portion than if the center was in their network. You also may have a separate deductible.

If you have an indemnity plan you can go and they’ll pay.

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