Dear Money Helps: In April 2005, I went to the Web site of my insurer, United Healthcare, to look for an in-network physical therapist. I found one and saw him several times, each visit paying the $15 in-network co-pay. Then, a full year later, I received a bill for $1,732 from UHC; it says my doctor is out of network! I’ve called and written letters to no avail - and now my account is going to collections. Help! - From Mary Jo Albrecht of Dania Beach, Fla.
Ah, the familiar game of you said, they said. In this case, however, there appears to be a ringer, and it’s not you. United Healthcare reports that your doctor was a member of its network prior to April 2005 and then again after April 2006 - but not, unfortunately, between those dates, which is when you saw him.
Perhaps you found him in a Web [...]
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