[rmrm]

Few things you might not be aware of:

1. Even in the event of Emergency visits to in network hospitals, one is often charged out of network fees if one of the doctors present is out of network. Which one is not notified of and has no say over, regardless. So going to an in nerwork hospital (which is the best one can do to align to their plan) means nothing.

2. When charged out of network, it most certainly does not mean only the coinsurance rate changes, you are also charged 10 to 50× more. So you are charged say 40% of $5000 rather than 20% of $300. Again, at an in network hospital.

3. Out of pocket max differs dramatically in network to out of network, in some plans going away completely in out of network scenario.

What you are saying above is not just a minimization its completely misleading and wrong.