This, coupled with the fact that, as an American, my ability to see a particular doctor (or even supporting staff) is highly dependent on whom I am employed wit

This, coupled with the fact that, as an American, my ability to see a particular doctor (or even supporting staff) is highly dependent on whom I am employed with at any given time. If you switch jobs regularly, you will likely end up on multiple insurance plans, each with their own set of participating medical professionals. Sometimes there is overlap, often there is not.