with incorrect benefits given out by customer service try to find out who the employers account rep is chances are tooth pain that person cares more about satisfying the employer and keeping them happy than your run-of-the-mill person that happen to answer the incoming line or phone call for the carrier you know if you have
a serious dispute or problem you will have a better chance of getting a resolution by maybe going through their designated rep so the employer is going to know who their designated rep is and if it's a big employer group you can dig that name out of a carrier we all know many carriers are
outsourcing customer service to other countries this saves them money since these workers many times are paid less however for the
rest of us it's not always a great thing and these reps may not have the same level of training as an
internal US staff receives you know if you're dissatisfied with the service and you don't feel confident in the information that they've given you or there's language problems you know the language differences cover some it's okay to ask for a US rep you you know this is not a political
thing you don't have to feel guilty it's okay to ask for someone in the US and that carriers often outsource their PPO networks as well to smaller third-party networks two that come to mind Cigna and MetLife they each have aboutdifferent PPO networks at least two you know generally folks
don't read their PPO contracts they just sign on the dotted line and the carrier's know this that's why a majority of the contract state that a provider has to opt out if they don't want to join the network for other carriers that they leased to carrier is going to make more money that way you're going to
see fewer PPO contracts