Right. Because not knowing your ass from a hole in the ground is exactly the same as making a two sentence statement that turns out to be partially untrue because the insurance companies and medical providers ultimately control which medical providers are in a network.  Then there's you and who you choose to see.You could choose a network that has your doctor in it.  But doctors can decline to join a network, opt out of one or decide to fire a patient.  Aside from these factors and assuming your doctor agreed, if you wanted to keep your doctor, you could; you'd pay at out-of-network rates, but you'd get to keep your doctor.