BCBS

Do you have a referral from your doctor?
I don't need a referral with my program.
Oh, but you do.
Like a referral off of his notepad?
No. It is a special referral form that BCBS needs that is filled out by your doctor stating that they are referring you to an out of network doctor.
No one has mentioned this to me before and I have been calling customer service for over a year now about this particular doctor.
Did you read your handbook?
I asked before for BCBS to send me any information that they found would be helpful to me concerning my circumstances and they said that there wasn't any.
Well, we can still get the referral written.
What will it do?
It will cover 90% of your costs to this out of network provider.
90%??????!!!!!!!
90% of the $10,000 we have already spent???!!!!!
Well.....not exactly.
Huh?
It would start from the day that the referral is written and can not be retro active.
I almost threw up.