If everyone is paying the cash-price, you'll get reimbursed up to whatever your policy says, and you'll be responsible for the rest. So no networks, but just l

If everyone is paying the cash-price, you'll get reimbursed up to whatever your policy says, and you'll be responsible for the rest. So no networks, but just like current vehicle coverage, the policy's estimation of the cost and what someone is trying to charge may not align.