The narrative is accurate. There are many, many, many examples of people who go to a hospital and ask at every point whether the services being provided are "i

The narrative is accurate. There are many, many, many examples of people who go to a hospital and ask at every point whether the services being provided are "in-network" for their insurance company, and yet still find themselves being billed for "out-of-network" services because of some assistant to a doctor or someone who was consulted outside the patient's presence. It's a minefield, even for people with patience and a clear head, which doesn't describe the majority of people seeking medical care. A quick search turns up a few examples: - http://www.news-gazette.com/news/local/2019-01-20/wondering-why-you-got-unexpected-out-network-medical-bill.html http://www.news-gazette.com/news/local/2019-01-20/wondering-... - https://www.consumerreports.org/health-insurance/states-work-to-limit-out-of-network-medical-bills/ https://www.consumerreports.org/health-insurance/states-work... - https://www.prlog.org/12766040-hbma-adopts-policy-framework-for-unexpected-out-of-network-medical-bills.html https://www.prlog.org/12766040-hbma-adopts-policy-framework-... This is a very common issue, so common it is receiving legislative attention.