As someone who is now figuring out how to deal with a 20K charge because one of the surgeons consulted was out-of-network (and EVERYTHING including the anesthesiologist, primary surgeon, hospital care was all in-network)... that last part is the most insane for me...

Before my last surgery they offered me crutches and I asked if that was all covered by my insurance and specifically was it in-network with my provider. Imagine if it wasn't and some poor sap thinks... yes I should take crutches after a leg surgery and gets stacked with a massive upcharge