You may unknowingly pay for out-of-network care



Even if you’re careful to choose a hospital and a surgeon that are in network, there’s no guarantee that everyone involved in your care at the hospital is also in network. The radiologist, anesthesiologist, pathologist, and even the assistant surgeon could be out of network, and—surprise!—you’ ll be billed at a much higher rate. [Some states, including New York and California, now have laws to prevent this from happening.]” —Cathy Schoen