University of Rochester offers Aetna that has such restrictive policiespeople sue it all the time for refusing out of network coverage. Thoselawsuits have nothing to do with tort reform, people are suinginsurance company for NOT paying for care.
We had to fight for a month for them to "allow" liver transplant outof network, and they didn't even want to understand that there isnoone in town who does those surgeries at this age....
The only thing I have to say to those who are happy with status quo and love their insurance companies :
hope none of you or your loved ones encounter one of those situations when you will feel like you are banging your head against the wall (after all the money you paid them) and they are not paying for treatment.
Keep enjoying enriching insurance companies and their executives(v) - it's good for your health!

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Happy New Year to all! Virtual hugs!