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I personally won't have an MA. At one time they were HMOs but I have noticed lately the are PPOs. Which means they have their network doctors that they will give you a better break on and then out of network that get paid but you don't get the savings as you would with "in network". But the doctors need to except Dads insurance and then there is did this happen out of state?
So, as said you need to call the insurance company. The Medicare portion should be paid because they have to abide by Medicare criteria.
They even paid for rehab when I informed them that they would have to pay for the medical transport if they required him to receive services in network. Since he could not walk or transfer after being bedridden in the hospital for 10 days.
You need to report an emergency hospitalization lije this immediately or they assume it is not
Also, talk to the SW at the hospital about what funds they have for charity care if MA is not forthcoming.
I went through this (with regular insurance) years ago when DH was directed to a non- network hospital and surgeon in an emergency situation. It all worked out, but you have to get them on the phone (I did, before the surgery) and asked "what should I do?"
It was decided it was too dangerous to move him, so it was covered.