[VWWHFSfQ]

> you will be really lucky to have a PCP that does the home work to make sure you are referred in-network

They have whole databases on their computers that do this for them. Maybe they refer you to someone across town, or the next town over. But they're going to try hard to keep you in-network. This is also why Canadians are constantly paying out-of-pocket to come to USA to get their knee surgeries and back surgeries.

[dqv]

The accuracy of those databases is questionable as evidenced by $InsuranceCompany calling around to providers asking if they accept $InsuranceCompany. Of course, the better the insurance you have, the easier this problem is to solve because more providers are in-network.