A patient's insurance card shows 'OON benefits apply after deductible.' What does this mean for a prior authorization request submitted to an out-of-network specialist?
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A
Prior authorization is not needed for out-of-network services
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B
The patient may receive out-of-network services but will pay higher cost-sharing after meeting the deductible
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C
The insurer will pay out-of-network claims at in-network rates
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D
Out-of-network services are fully covered with no patient responsibility