> How/where? Is this actually a 'solid insurance is hard to get problem'?
Insurance can be contingent on different things:
> Where can I receive care?
> If a provider is not in a plan’s network, the insurance company may not pay for the service(s) provided or may pay a smaller portion than it would for in-network care. This means the enrollee who goes outside of the network for care may be required to pay a much higher share of the cost. This is an important concept to understand, especially if you are not originally from the local Stanford area.
Insurance can be contingent on different things:
> Where can I receive care?
> If a provider is not in a plan’s network, the insurance company may not pay for the service(s) provided or may pay a smaller portion than it would for in-network care. This means the enrollee who goes outside of the network for care may be required to pay a much higher share of the cost. This is an important concept to understand, especially if you are not originally from the local Stanford area.
* https://vaden.stanford.edu/insurance-referral-office/health-...
If you happen to be in a car crash, make sure your ambulance drive takes you to an in-network hospital.