What I learned today:
Me: Dear Cigna, why doesn't your website say out of network coverage 70% *based on usual and customary figures, not claim amounts.
Cigna:From what I understand, you were advised that usual and customary rates are determined by taking an average of the charges for a service similar to yours in a similar service area.
What additional information can I help you with?
Me:(@ 1:00PM MST)I would like to see your calculation methodology with sample data from my zip code please.
Cigna: OUT OF OFFICE - Please submit your requests before 3PM PST for same day response.
From this I gather that the calculation methodology goes something like this:
Bob: Hey Joe, think of a number between 1 and 1,000.
Joe: 217
Bob: Ok, today's "Usual and Customary Rate" is $217. Good job Joe.
Joe: Thanks Bob.
Cigna:From what I understand, you were advised that usual and customary rates are determined by taking an average of the charges for a service similar to yours in a similar service area.
What additional information can I help you with?
Me:(@ 1:00PM MST)I would like to see your calculation methodology with sample data from my zip code please.
Cigna: OUT OF OFFICE - Please submit your requests before 3PM PST for same day response.
From this I gather that the calculation methodology goes something like this:
Bob: Hey Joe, think of a number between 1 and 1,000.
Joe: 217
Bob: Ok, today's "Usual and Customary Rate" is $217. Good job Joe.
Joe: Thanks Bob.