Some Doctors are not choosing to be in PPO/HMO networks as providers. It's a free country and you can pay them cash.

Some Doctors have for years refused Medicaid patients for reason of low reimbursements for services most of these are probably the same Doctors. Freedom of choice.

If you were paying cash to see one of these Doctors I can see you point being forced to buy insurance that your Doctor will not accept.

The insurer should reimburse you at their contracted rate with you paying the difference. The insurer should do so or be required to ...

You should receive the value your premiums are supposed to pay for.

Personally, I am buying an upper level policy offered by the ''Obamacare'' marketplace and all my Doctors (primary care and specialists) are part of the HMO network. Also, my preferred hospital is in the plan. But there were cheaper insurance policies that had more limited options -- I am paying a couple of thousand more per year to have better insurance coverage (I hope).

Universal care would be a better base to start with and then you could pay for a higher level of services possibly. We could have a multi tied system but the back-end and accounting would be difficult.

However, we would have the same issues of some providers that would opt-out of treating lower lever patients for reason of low reimbursement from a government administered health plan.

So where is the drama?
God damn Obama the liar or Fuck the greedy Doctors?
Or is it just life is not fair?

Disclaimer: 3 of my cousins are Specialist Physicians so I am biased in a strange way -- I can see both sides of the story and realize there is no perfect solution