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When I went into the Individual Policy market (self employed) my insurance agent suggested I consolidate all my healthcare needs at one (big, nationally recognized, well respected teaching) hospital. Why? Not the expected excellence in healthcare delivery, but the fact that everyone who works there is an employee. Period. No gotchas with out of network anythings.



Hah! I wish. I do that, but the anesthesiologists are never in plan. What I painfully learned after the last operation: ask the anesthesiologist before the surgery if he/she will accept what your insurance co. will pay. You may not have a lot of leverage before surgery, but you have none after surgery.

And I went with a big, respected teaching hospital because I could consolidate my healthcare needs and expect better healthcare.

15 years ago I would have sworn I would never say this, but...

I love Kaiser Permanente. All in network. Shared electronic medical records. Focus on preventative care. If you are in one of their regions, I would recommend them. If you're not, Oh well.

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