75th percentile would be for when out of network. It would work to reduce ridiculous charge-master surprise bills but still provide a redress mechanism for mono

75th percentile would be for when out of network. It would work to reduce ridiculous charge-master surprise bills but still provide a redress mechanism for monopolistic insurance companies playing hardball and cutting reimbursement 60% in one year (see Anthem BC/BS to pathology in multiple states). The argument here is that by destroying the threat of out of network, the insurance company has literally no incentive to offer rates better than Medicare. That’s a huge unfair advantage to insurance companies.