I am an insurance moron, so bear with me. My grandmother is 84 and still works. She has medicare as her secondary insurance. She needs to see a psychiatrist and we can't find anyone in network worth seeing. If she goes out of network, she'd be charged 70% of what they (bc/bs) say is acceptable.
If she goes out of network, can she get reimbursed from medicare? How can we do this, so she pays as little as possible out of pocket for a much-needed service?