Obamacare: New York Blue Cross Plans DON'T COVER Out of Network Docs at all
Ted Rall reported this, and I am verifying via the New York Plan brochure at this link, Page 5. The New York Blue Cross plans do not cover out of network doctors AT ALL, except for the mandated emergency coverage. This means if you need to see a doc out of network, you are 100% on the hook for the bill. You get nothing from Anthem/Empire. In addition, note that you have to get a primary care referral to see a specialist. These are pure HMO plans, whether they call them that or not.
Anthem, which runs the plans, has of course disabled the doctor search. However, they already confirmed that the networks will be thin. If anyone has a good link for that, please let me know. I've seen it, I just haven't seen it tonight.