Reimbursemenet rates are not the same. Some doctors will accept 1 and not the other. I used a hospital for a new baby birth. Because my plan was on-market, the

Reimbursemenet rates are not the same. Some doctors will accept 1 and not the other. I used a hospital for a new baby birth. Because my plan was on-market, the provider doing delievery didn't accept it (Despite it being on the in-network list). So I got to be stuck with a ~13k bill. Was super cool. This was back ~8 years ago, so perhaps it's all been sorted.. but I have such a bitter taste in my mouth after having to pay this out of pocket, I won't touch on-market plans with a 100 foot pole.