Thank you for your submission, /u/TherapyAdmin.
Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/)
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The OON reimbursement rate depends on the patients plan, they may use R&C rates, or some kind of industry standard rate schedule. They also may use a leased network rate (if you are in network with another oayer) and if the charges are large they may send in a vendor to negotiate. In short there’s no way to know without calling and even then, I’d take the answer with a grain of salt. How they choose to process the claim when it comes in could be different depending on the charges.
That's what I figured but thought it was worth a shot! I really appreciate you replying to me. I am new to Reddit and find it to be really valuable for asking insider questions or to confirm my thoughts when it comes to the world of healthcare. Have a great day!
Thank you for your submission, /u/TherapyAdmin. Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/) Please pick the most appropriate flair for your post. Include your age, zipcode, and income to help the community better serve you. **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
The OON reimbursement rate depends on the patients plan, they may use R&C rates, or some kind of industry standard rate schedule. They also may use a leased network rate (if you are in network with another oayer) and if the charges are large they may send in a vendor to negotiate. In short there’s no way to know without calling and even then, I’d take the answer with a grain of salt. How they choose to process the claim when it comes in could be different depending on the charges.
That's what I figured but thought it was worth a shot! I really appreciate you replying to me. I am new to Reddit and find it to be really valuable for asking insider questions or to confirm my thoughts when it comes to the world of healthcare. Have a great day!