> Most importantly, ALL of this planning and sense of choice goes out the window when you have a true emergency. When that happens all that matters is getting t

> Most importantly, ALL of this planning and sense of choice goes out the window when you have a true emergency. When that happens all that matters is getting to an ER, fast. Yep. I was a victim of this in the -worst- way. 11 years ago I was hospitalized, and it 'just so happened' that the only doctor that would take me while I was admitted was out of network. BCBS of Michigan in fact later settled out of court in a class action over this behavior, although the 50 or 100$ I would have gotten certainly did not make up for the hundreds of dollars that the out of network provider cost me.