* Not inform me they don't accept my credit card
* Provide the goods and/or render the services
* Charge my 10 times the standard price for those goods and/or services because my card was not accepted?
No sane person would agree that this would be an acceptable regime for credit cards. Yet it's the world we live in with health insurance.
A "free market" is only effective with price transparency and discovery mechanisms. This is not possible in the current healthcare and insurance system as it exists today.
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Aside from that, you failed to even engage or address the following points from my earlier comment.
> Further, even if the facility you visit does accept the insurance, that's no guarantee that all doctors within that facility accept that insurance.
> Even further, there's no guarantee you'll be conscious to validate that you go to a facility that accepts your insurance.
I think both of those points address and rebut your "check who accepts it" argument. Do you have any response to those?
Does acquiring a credit card ensure that businesses will accept it? When you select your insurance plan, check who accepts it. Problem solved.