Wrong, Joseph. My under-26 daughter, who’s on our insurance, went to a doctor who she thought was in network. The problem was that we had switched plans but she retained her old insurance card. The doctor was in network for the old plan but not for the new one. We were informed that the rate was $x. The doctor’s office (part of a large hospital-affiliated group) said they’d give us a break, but they weren’t allowed to go below $y, which was a discount of maybe 20%-25%. Obviously that’s nowhere near the discounts that insurers negotiate.
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