My about s.s.Disability ins.and claims process.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 1, 2010

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Insurance Question from Bucks Bar, CA

Asked on 10/01/2010

My about s.s.Disability ins.and claims process. I have recently become disabled from injurys of ten years ago.I now have health ins.w/ pre-exist.cond.Due to my policy,if disclose my injury's to my H.M.O.will drop me.I need to go outside my provider to get an s Soc. Sec. disability evaluation.Can I do this?

Answer given on October 01, 2010

You should be able to go wherever you want…   here is a link for a “free” evaluation website…  they charge a fee IF they get benefits for you, how much, I do not know.


The only difference between going to a provider IN or OUT of your network is the amount you will pay.  IN network means they are in contract with your insurance company and offer network discounts.  If you go out of network, you’ll have to pay the “cash” rate, or whatever the doctor charges you.


I don’t know if they’d drop you or not, since it’s been ten years since you had the injuries and they are just now causing you major issues, but if you are worried and want to go out of network, it shouldn’t be a problem.  Just don’t show them your insurance card, since it will likely go on your “out of network” benefits on your insurance.   


good luck!

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