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A procedure that can visually examine a joint, such as the knee, hip, wrist or shoulder.

You may need to obtain an approval number from your insurer before you see a particular doctor or receive a particular medical service in order for your health insurance company to pay for that visit and/or service.For in-network providers, the allowed charge is based on the contracts with the providers.For out-of-network providers, the allowed charges may be: The most that a plan will pay in a plan year (this may be different from a calendar year).If you use a provider in your plan’s network, the billed charge usually is submitted directly to the insurer and is reduced by the claim payment system to the allowed amount, or contracted rate negotiated by your insurer and its network provider.But, if you use providers outside your network, you will generally have to pay the full difference between your insurer’s allowed amount and the amount that your provider charges that exceeds the allowed amount unless you and your provider agree otherwise.Balance billing is a type of healthcare billing that occurs when an out-of-network provider bills a plan member for the difference between the out-of-network provider's charge and the amount paid by a member's benefit plan for the out-of-network service, and this difference exceeds the member’s defined liability from the Plan.

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