you two seem to be talking different areas of insurance.I don't need an in network doctor to admit me
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you seem to be focused on your "independent" PCP that you pay more for than all my OOP for medical and dental (w/o insurance .. and included 2 crowns) [<1k for DW and myself]
and I think Ziggy is on a different line of what would happen if you ended up in an ER (your PCP might not be there... you could be out of state... or whatever) and you may have some non-network doctors or facilities or balanced billing.
I would wonder how your insurance would cover tests ordered by your non-network doctor. Say you needed an MRI. Do you need to get an in network doctor to write a script for that?
I do appreciate you description of removing all the insurance reporting reducing costs for your doctor. Likely one of many areas to help cut costs.