I just found out the hard way that it is very possible to go to an "in-network" hospital emergency room only to find out later that the emergency room physicians are "out-of-network"! The only way to not be penalized for going out-of-network, is to go through the entire appeal process each time. I have been told from the "higher ups" that this is the way it is and that there is nothing we can do about it. It seems to me that if a doctor chooses to work in a hospital contracted with BCBS, then it should be required of that doctor to also be contracted with BCBS. I don't think many people are aware of this problem and in my opinion, it's huge! Do we now have to call around to in-network hospitals to see if their ER docs are also in-network. If enough people find out about this problem, there must be something we can do.