Doctor Not in Network? So What, Pay Cash

We all hear it every day:

"I pay a huge premium, and still pay out of pocket with my huge deductible".

"Why should I buy that plan that doesn't include my doctor?"


People need to get over it, and stop letting the tail wag the dog.
In a lot of cases, it's almost impossible to match up every doctor to a plan.
So, the client just assumes they have to move to a different doctor or change plans.

But I disagree. Most of my clients including myself buy HSA bronze plans.
Even if the plan did include your doctor, you're still paying the discounted network rate which is close to
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