[analog31]

I live in a mid sized urban area, a few blocks from a large hospital. My location was certainly beneficial when I needed emergency treatment. But for anything non-emergency, the waiting lists and "pre approval" battle are appalling.

My spouse, who lives in the same house, but has a different employer, gets much quicker treatment from the same clinics.

[dkh]

How is this? All other things equal, certain companies simply get to jump the line over others?

[skissane]

I’ve personally experienced insurers having different “levels” of plans, and some employers pay for a higher level of cover than others. Once, I switched employers, my new employer perchance used the same health insurer as my old employer-but at a lower level of coverage.

[dkh]

I've seen and experienced this as well, but not to the point where calling the same doctor for an appointment would get me in earlier or later. More typically I have access to different doctors altogether, or need approval for certain doctors, or have different out-of-pocket costs.

[analog31]

Different insurance providers, each of which has its own rules about approving care.

[zx8080]

Do they differentiate men/women? Another, is the insurance company same for both?