Originally Posted by AmeliaG

Succinctly stated.

I am constantly amazed by how few people, in the midst of all the partisan blustering, seem to get this.

Originally Posted by Jim_Gunn

I believe all HMO's require you to go to a doctor in their network by default, but I think there is also a way to file a claim for reimbursement if you go elsewhere. Is there any plan that lets you choose any doctor or hospital without discrimination? Luckily I haven't had to use mine much. The local walk-in clinic I go to on rare occassions when I am sick costs me only a $40 co-pay to see a doctor and I get decent discounts on medicines and dental work anywhere I want to purchase them.