MKW

You Can Keep Your Doctor - If Your Employer and the Union Say So

This is fundamental to how insurance works. Those doctors who are willing to abide by insurer X's schedule of fees are in network. Those who aren't are out of network. It's been that way for decades - it's how it works. The best advice is to find a doctor with a practice affiliated with a local hospital. You'll have the best chance of that doctor taking basically all insurance. I've had my doctor for eight years and five changes in insurance. It's never been a problem.