Even if you have good health insurance, hospitals "in your network" have a scam whereby doctors not in your network treat you -- and you're on the hook for megabucks.
It should be flatly illegal to do this.
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@dangillmor Texas state law prohibits this for plans that are vetted by the Texas Department of Insurance. Federal law applies more recently, too:
https://www.texmed.org/surprise/
If you work for an out-of-state company remotely, as I do, not so much.
