Why isn't it? What if there's only one in-network surgeon that performs the surgery with your insurance? Or what if you live in a small- or medium-sized town an

Why isn't it? What if there's only one in-network surgeon that performs the surgery with your insurance? Or what if you live in a small- or medium-sized town and can't travel to another city where there might be more people able to perform the surgery? I can think of numerous cases where there might only be one surgeon who can perform it -- so you either take your chances or you go without.