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Years ago, when I was looking through the booklet from the insurance company while looking for a PCP I deliberately picked one who worked for Mass General because it was clear that every doctor at Mass General was part of the network, and I wouldn't have to go crazy trying to find in-network specialists.

I thought that was what I was doing with S&W. They are currently building a new hospital and they have contract with one of our local hospitals for services. Unfortunately, my employer decided that it would be "cheaper" for us to go with BCBS PPO. So far, everything I've seen indictes that while my monthly premium cost will go down by a few dollars,everything related to specialists and surgical treatments will go up significantly. At this point I've suspended my PT for my neck because we aren't sure how much of it will be covered under the new plan and I can't afford to pay the specialist co-pay and then discover that I have to pay a huge additional amount every week.

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