That's common in large companies. Business units/channels/divisions do all kinds of stuff that is inconsistent with each other and even the stated company goals

That's common in large companies. Business units/channels/divisions do all kinds of stuff that is inconsistent with each other and even the stated company goals. As an example, Aetna provides insurance to clients through Covered California and through other venues like the federal government. For the federal version, it's really easy to get stuff classified as out of network with a note from the provider that they don't accept Medicare assignment. For the Covered California version, it's virtually impossible to get out of network stuff covered because they will more or less trashcan notes from providers that don't accept Medicare assignment to avoid paying for those claims. My guess is the economics of each business unit/channel are different to the point where they make things easy for one plan and nearly impossible for another.