The real problem with going somewhere out of network is that you don't have protection against balance billing.Out-of-network balance billing has to be watched because the ACA still doesn't put annual caps on that. But just like everything, whether out-of-network is a plus or minus depends on one's own healthcare needs. Like I'm not going to go out of network for my neurology needs, because right now I only see a neurologist annual for medication for migraine headaches and I feel I'm a fairly standard/mild case for migraine treatment. But when considering a heart surgeon, I want access to as many choices as possible, so I can find the best doctor for my particular situation since it's not a standard case - even if that means I could utlimately pay more for final services.
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