The OP reports the insurer misrepresenting their in-network coverage. I've had this experience with BCBS -- the list of in-network doctors on the website was wr

The OP reports the insurer misrepresenting their in-network coverage. I've had this experience with BCBS -- the list of in-network doctors on the website was wrong. Hard to prove incompetence vs. malice, but there seems to be zero accountability for this sort of thing.