"Would be interesting if once a physician decides to perform services for you, he/she is bound by the insurance you have." That's not how the car insurance mod

"Would be interesting if once a physician decides to perform services for you, he/she is bound by the insurance you have." That's not how the car insurance model works. You have an agreement with your insurance company to provide a certain amount of coverage, irrespective of what has actually happened. If, for example, there is $2,500 of damage, and insurance covers $2,000 of it, the mechanic isn't stuck eating $500. You get billed for that, and rightly so. The mechanic is specifically (and legally) bound to offer the same service/repair at the same price. The mechanic cannot quote you differently for a repair based on the insurance you have and is not bound to any agreement with your insurance company. The mechanic merely accepts the remittance made by the insurance company on your behalf as being towards the total repair cost.