Recently, big insurance conglomerates have attempted to take away your out-of-network (OON) benefits and eliminate your choice in medical providers under the premise of controlling healthcare costs. Rather than lowering your premiums, however, the cuts simply translate into hefty profit margins for these companies.

In an effort to make the public sympathetic to their scheme, insurance companies have promoted stories in the media that showcase patients who have received large bills from their doctors; but don’t be fooled by these big insurance scare tactics. You are not being told the whole story.

Your insurance company is often legally obligated to reimburse your doctor a significant portion of that bill. But instead they may initially refuse to do so.

This is a tactic to bully doctors into accepting lower payments, scaring their subscribers away from using a provider who isn’t in their network, and funnel care toward doctors who have agreed to the lowest possible price, often at the expense of quality.

Your insurance company is not living up to their end of the bargain.

Please tell your local assemblyman and state Senator to defend your access to your doctors in New Jersey.